An analyst used the Fama-French three-factor model to assess a stock. With a risk-free rate of 5%, required market return of 11%, small stock risk premium (rSMB) of 3.2%, and value stock risk premium (rHML) of 4.8%, what is the stock’s required return if ai = 0, bi = 0.7, ci = 1.2, and di = 0.7?