the answer was wrong, what should the answer be and what did i do wrong and how do i calculate this

You purchased shares of a mutual fund at a price of $21.5 per share two years ago and paid a front-end load of 4.3% at that point. Assume that the securities in which the fund invested in increased in value by 6.1% during the first year and 5.1% during the second year Assume further that the fund's expense ratio was 1.2%. Your total return if you sold the fund at the end of the second year would be 5.5 Answer with one decimal point and only the number. Also note that any decimal points are written with a dot and not a comma. If for example you find the return to be 13.23 % you write-13.2. as your