Stock Y has a beta of 1.8 and an expected return of 18.2 percent. Stock Z has a beta of .8 and an expected return of 9.6 percent. If the risk-free rate is 5.2 percent and the market risk premium is 6.7 percent, the reward-to-risk ratios for stocks Y and Z are ______% and ______ %, respectively. Since the SML reward-to-risk is ________ %, Stock Y is undervalued and Stock Z is overvalued.