The Bruin Stock Fund sells Class A shares that have a front-end load of 5.75 percent, a 12b-1 fee of .23 percent, and other fees of .73 percent. There are also Class B shares with a 5 percent CDSC that declines 1 percent per year, a 12b-1 fee of 1.00 percent, and other fees of .73 percent. If the portfolio return is 12 percent per year and you plan to sell after the third year, should you invest in Class A or Class B shares? What if your investment horizon is 20 years?