An analyst has modeled XYZ stock using the Fama & French three factor model $($FF$3$FM$).$ Over the past few years the risk premium on SMB was $1\mathrm{.}75\%$ and the risk premium on HML was $2\mathrm{.}95\%.$ Regression analysis shows that XYZ$$s beta coefficient on SMB is $2\mathrm{.}5$ and on HML is $-1\mathrm{.}25.$ If the risk$$free rate is $2\mathrm{.}25\%,$ the market risk premium is $5\mathrm{.}50\%,$ and XYZ$$s market beta is $2\mathrm{.}0,$ what is a fair rate of return on XYZ according to the FF$3$FM$?$ Please calculate the fair rate of return as a percentage. Do not enter $\%$ in the answer box. For example, if your answer is $0\mathrm{.}12345$ or $12\mathrm{.}345\%$ then enter as $12\mathrm{.}35$ in the answer box.