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 profit (r_SMB) is 3.2%, and the return on the HML profit (r_HML) is 4.8%.If a_i =0, b_i =1.2 ,c_i = -0.4 ,and d_i = 1.3, What is the stock's predicted return?