Diana is reviewing her portfolio of investments, which includes certain bonds and stocks. She has a large amount of her funds tied up in Government of Canada Treasury bills paying 5%. She is considering moving some of her funds from the T-bills into a stock. The stock is 50% more volatile than the overall market. Based on their calculations, some analysts are calling for this stock to return a rate of 18% for the coming year. The market consensus is that the S&P/TSX index will yield a 15% return in 2024. According to CAPM, should Diana buy this stock or leave her funds in T-bills? Justify your answer with some numbers. You are also asked to explain to Diana whether a stock is more, less than, or equally risky as a mutual fund with the same beta and why?