Elmer's stock has a beta of 0.8, an expected return of 14%, a market rate of 8%, and a market risk premium of 3%. What is their risk free rate? Select one: O a. 3.6% O b. 5.6% O c. 5.0% O d. 3.0% H&M's stock has a 14% chance of having a 32% return, a 47% chance of having a 11% return, and a 39% chance of having a -9% return. What is their expected return? Select one: O a. 8.67% O b. 6.14% c. 11.0% O d. 4.26%