You invested $4,500 in a mutual fund eactly 39 months ago when the NAV of the fund was $31.80. You have not acquired or sold any shares since that time. Today, the NAV is $30.84. The fund charges contingent deferred sales charges of 6%,5%,4%,3%,2%,2%, and 1% if the shares are redeemed within the first 7 years, respectively. 1. How much money will you receive if you redeem your shares today? 2. What is your EAR for this investment? 3. If inflation was 2.00% per year over this same period, what was your real return