You are considering investing in one of several mutual funds. All the funds under consideration have various combinations of front-end and back-end loads and/or 12b-1 fees. The longer you plan on remaining in the fund you choose, the more likely you will prefer a fund with a __________ rather than a __________, everything else equal.

A.12b-1 fee; front-end load

B.front-end load; 12b-1 fee

C.back-end load; front-end load

D. 12b-1 fee; back-end load

The correct answer is B. Please explain.