Gareth owns 1 share of stock A and 1 share of stock B. In 1 year from today, the total value of his holdings is expected to be 142.51 dollars. Stock A is currently priced at 71.62 dollars, has an expected return of 5.05 percent, and is expected to pay a dividend of 6.93 dollars in 1 year from today. Stock B is currently priced at 72.23 dollars and is expected to pay a dividend of 3.14 dollars in 1 year from today. What is the expected return for stock B? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.