The Tidewater Fund sells Class A shares with a font-end load of 2% and Class B shares with 12b-1 fees of 0.25% annually as well as back-load fees that start at 5% and fall by 1% for each full year the investor holds the portfolio (until the fifth year). Assume the rate of return on the fund portfolio net of operating expenses is 6% annually. Assume you invest $10,000 in Tidewater Fund. What will be the value of your investment in Class A and Class B shares if the shares are sold after 4 years? SHOW YOUR WORK.