$An$ analyst has modeled the stock $of$ a company using the Fama$-$French three$-$factor

model. The market return $is10\%r_{SMB}3\mathrm{.}2\%r_{HML}4\mathrm{.}8\%.If{a}_i=0,b_i=1\mathrm{.}2,c_i=-0\mathrm{.}4,$ and

$d_i=1\mathrm{.}3,$ what $is$ the stock's predicted return?