You are going to invest in growth mutual fund with a 5.5 percent front -end load, 0.50 percent 12b-1 fee and 1.09 percent other fees.you also invest in value mutual fund with a 6 percent contingent deferred sales charge declined 1 percenr per year. The value mutual funds has 2.7 percent returns and an expense ratio of.20 percent.if you plan to keep your investment for 8 years,what annual return must the growth mutual fund earn to exceed an invesment in the value market funds?