You discover that your employer's 401K plan has investment options that are limited to mutual funds that have high expense ratios. This impacts your expectation for annual returns, and you reduce your expected average annual return from 7% to 6.5%. Assuming that you deposit $19,000 per year into your 401(k) for the next 40 years (each deposit is made at the end of each year). How much did this reduction in the expected rate of return "cost" you?