Stock Y has a beta of 1.2 and an expected return of 15.3 percent. Stock Z has a beta of 0.8 and an expected return of 10.7 percent. If the risk-free rate is 6.0 percent and the market risk premium is 7.0 percent, the reward-to-risk ratios for stocks Y and Z are __________ and __________ percent, respectively. Since the SML reward-to-risk is __________ percent, Stock Y is undervalued and Stock Z is overvalued. (Round your answers to 2 decimal places. (e.g., 32.16))