Stock Y has a beta of 1.2 and an expected return of 13.7 percent. Stock Z has a beta of 0.8 and an expected return of 9.5 percent. If the risk-free rate is 5.3 percent and the market risk premium is 6.3 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.

Please fill in the blanks.