The following table shows the sensitivity of four stocks to the three Fama-French factors. Estimate the expected return on each stock assuming that the interest rate is 2%, the expected risk premium on the market is 7%, the expected risk premium on the size factor is 3.2%, and the expected risk premium on the book- to-market factor is 4.9% Ford Walmart Citicorp Apple Market 1.24 0.41 1.52 1.25 Size -0.07 -0.47 -0.01 -0.67 Book-to-market 0.28 0.25 0.85 -0.72