Mr. X invested in a portfolio of risk-free asset and a risky portfolio. Mr. Xs complete portfolio consists of 40% investment in risk-free assets and 60% investment in risky portfolio. Mr. Y invests 100% in the same risky portfolio. The expected return on Mr. Ys risky portfolio is 15%. Assume both Mr. X and Mr. Y are on the same Capital Allocation Line (CAL). If the risk-free rate is 5%, what is the expected return on Mr. Xs complete portfolio? (4 marks)