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 portfolion (rHML) is 4.8%. If ai = 0, bi = 1.2, ci = -0.4 and di = 1.3, what is the stocks predicted return?