Anita, Inc. is considering the following investments. The current rate on Treasury bills is 8 percent, and the expected return for the market is 12 percent. Using the CAPM, what rates of return should Anita require for each individual security?

Stock Beta H 0.72 T 1.47 P 0.81 W 1.37

The expected rate of return for security H, which has a beta of 0.72, is...?