Idaho Slopes (IS) and Dakota Steppes (DS) are both seasonal businesses. IS is a downhill skiing facility, while DS is a tour company that specializes in walking tours and camping. The equally likely returns on each company over the next year are expected to be:

Economy	IS	DS
Very bad	-10%	2%
Bad	-4%	7%
Average	4%	6%
Good	12%	4%
Very good	20%	4%

What are the expected returns and variances of returns for IS and DS.