Jake is debating purchasing a mutual fund, but he has some questions for his financial advisor, Latasha. The following table presents information on four different open$-$end mutual funds that Jake and Latasha are discussing. Use the information in the table to answer the questions that follow.

$\backslash$table$[[$FUND$,$NAV,NET CHG$,$YTD $\%$ RET$],[$QtrF p$,17\mathrm{.}32,0\mathrm{.}03,3\mathrm{.}0],[$PwrSL r$,15\mathrm{.}77,0\mathrm{.}13,5\mathrm{.}9],[$PFIN$,40\mathrm{.}81,0\mathrm{.}27,8\mathrm{.}4],[$TopLA$,39\mathrm{.}21,0\mathrm{.}36,9\mathrm{.}5]]$

JAKE: After some research, I've narrowed it down to these four funds, but can you explain to me the relationship between $12b-1$ fees and fund performance?

LATASHA: Generally, funds that charge $12b-1$ fees, such as QtrF p$,$ do not necessarily outperform funds that do not charge these fees.

JAKE: What about front$-$end load fees? For example, suppose TopLA has a front$-$end load fee of $6\%,$ when do I pay this fee?

LATASHA: If you purchase $100$ shares of this fund at the NAV, you will pay a commission of $$ but when you sell these shares you will pay $$ in front$-$end fees.

JAKE: It sounds like these fees could start to add up$.$ What's the most I can expect to pay in fees?

LATASHA: If a fund charges a $2\mathrm{.}5\%$ front$-$end load and a $2\mathrm{.}5\%12-$b$1$ fee, then it can charge a maximum of only $\%$ in back$-$end load charges without violating the cap.

JAKE: Thanks! This was really helpful. So it sounds like you'd recommend looking for $$ funds whenever possible.