The Average monthly return premium is SMB : 0.02061628 HML : 0.03820097

E(R)= R, +Bv (R, - R,) +Bsme (S R, -(B R,)) + Bun10 ( H R, - (1 R,)) =R,+B (R-R)+B (S-B)+39.(H-L) State the risk/return relationship above, if the annual risk-free rate is 2% and the return on the market portfolio is 6.5%