A Decade Ago, Many Observers Speculated That Load Funds Would

A decade ago, many observers speculated that load funds would become obsolete. But, the actual trend has been quite different. Which of the below is offered as a reason for load funds maintaining a costly fee?

A) Many investors have remained dependent on the investment counsel and service
B) Investors do not pay attention to fees and so do not care
C) Many investors have remained dependent on the initiative of the sales agent
D) Sales-force distributed funds have shown considerable ingenuity and flexibility in imposing sales charges