A bank is considering adding life insurance underwriting to the services it offers. It has estimated that the expected return and standard deviation of its traditional services are $12$ percent and $6$ percent respectively. It has also estimated that the expected return and standard deviation of its new underwriting services are $18$ percent and $10$ percent respectively. The correlation between these services has been estimated to be $+\mathrm{.}10$ and the bank estimates that $90$ percent of its business will be from traditional services and $10$ percent from the new underwriting services. What is the expected return of the new combination of services $?$