12. If there is a 10 percent chance we will get a 8 percent return, a 40 percent chance of getting a 11 percent return, a 40 percent chance of getting a 13 percent return, and a 10 percent chance of getting an 15 percent return, what is the expected rate of return? a. 11.9% b. 12.8% c. 10.1% d. 9.7%