Some stock funds charge an annual fee, called the expense ratio, that usually ranges from about .3% to about 1.5% of the amount of money in the account at the end of the year. For instance, if the expense ratio is .5% and you have $10,000 in the account at the end of the year, then you would be charged .005 # 10000 = $50 in fees. Suppose that you put $5000 at the beginning of each year into an IRA and that the funds are invested in a stock fund earning 6% per year, before expenses. How much more will you have at the end of 10 years if the stock fund has an expense ratio of .3%, as opposed to 1.5%?