If the economy recovers next year, analysts expect Stock Yoos return for the year to be 20%; if the economy does not recover, analysts expect Stock Yoos return for the year to be 5%. If there is a 40% chance that the economy will recover and a 60% that it will not, what is the expected return on Stock Yoo for next year? Compute the variance and standard deviation of the return on Stock Yoo for next year.