You invest $1000 in a mutual fund. You expect that the fund will earn a 8% return annually before expenses (~this is how much the fund's assets go up). You have a choice between purchasing class A mutual fund shares with a front-end load of 4% and no expenses or class C mutual fund shares with no loads but a 1% 12b-1 fee. What is your investment horizon if you are indifferent between these two? (Round to the nearest whole number of years. Please show all steps, formulae and solutions.) The number of years should be a whole number rounded up to the nearest positive integer value.