You hold mutual funds in your Registered Retirement Savings Plan (RRSP), which is a tax-sheltered account. You expect a bond portfolio to provide a rate of return of 4%. Management fees of the fund are 1.2%. What fraction of portfolio return is given up to fees? If the management fees for an equity fund also are 1.2%, but you expect a portfolio return of 12%, what fraction of portfolio return is given up to fees? (Round your answers to 1 decimal place.)