Stock Y has a beta of 1 and an expected return of 12.4 percent. Stock Z has a beta of .6 and an expected return of 8.2 percent. If the risk-free rate is 5.2 percent and the market risk premium is 6.4 percent, the reward-to-risk ratios for Stocks Y and Z are 0.07 XI and 0.05 X percent, respectively. Since the SML reward-to-risk is 6.40 percent, Stock Y is overvalued and Stock Z is undervalued (Do not round intermediate calculations and enter your answers as a percent rounded to 2 decimal places, e.g., 32.16.)