Front-end load is a nasty cost because it hurts investors in two ways.

FORBES: This Fund Is For You If You Love Paying Fees

But the Bears' free throw struggles that nearly cost them in the second round against South Florida returned when Jemerigbe missed the front-end of a 1-and-1 with 27 seconds left.

NPR: Cal Rallies To Beat Georgia 65-62 In Overtime