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FYI: Back in September, the SEC fined First Eagle Investment Management some $40 million for, according to an SEC statement, “…inappropriately [using] money belonging to the shareholders of the funds to pay for services clearly intended to market and distribute the shares.” Regards, Ted http://www.thinkadvisor.com/2016/01/13/whats-up-with-12b-1-fees?t=mutual-funds