Forever Savings Bank estimates that building a new branch office in the newly developed Washington township will yield an annual expected return of 12% with a standard deviation of 10%. The bank's marketing department estimates that cash flows from the proposed Washington branch will be mildly positively correlated (with a correlation coefficient of +0.15) with the bank's other sources of cash flow. The expected annual return from the bank's existing facilities and other assets is 10% with a standard deviation of 5%. The branch will represent just 20% of Lifetime's total assets. Will the proposed branch increase Forever's overall rate of return? Its overall risk?