Which of the following is true about the fund fees

A) Font-end load is higher for mutual funds that do not engage in their own advertisement

B) There are no funds with expense ratios 0%

C) Back-end load is lower for longer term investors, but the expense ratio for longer term investors is higher

D) Long term investor would prefer the funds with low front-end load but high 12b-1 charge to the funds with high front-end load but low 12b-1 charge