The CFO of Ramekin Pottery Inc. is concerned about holding up the price of the company's stock. He's asked you to do an analysis starting with an estimate of the return investors are likely to require before they will invest in the firm. The overall stock market is currently returning 16%, 90 day treasury bills yield 6%, and the Beta on Ramekin's stock is 0.60. What is your best estimate of Ramekin's required return