An analyst has modeled the stock of a company using the Fama-French three-factor model. The market return is 10%, the return on the SMB portfolio (rSMB) is 3.2%, and the return on the HML portfolio (rHML) is 5.3%. Ifai= 0,bi= 1.2,ci= -0.4, anddi= 1.3, what is the stock's predicted return? Do not round intermediate calculations. Round your answer to two decimal places. -----------%