Fama-French Three-Factor Mode

An analyst has modeled the stock of a company using a Fama-French three-factor model. The risk-free rate is 6%, the market return is 9%, the return on the SMB portfolio (rSMB) is 2.0%, and the return on the HML portfolio (rHML) is 5.5%. If ai = 0, bi = 1.2, ci = - 0.4, and di = 1.3, what is the stock's predicted return? Round your answer to two decimal places.