The stock of Arbor Pet Trees (APT) is priced based on the given systematic risk factors. Estimated sensitivities to these risk factors are given by the betas of the regression

R_APT R_rf = _creditR_credit + _value R_value + +

Factor	Risk Premium	Beta
Credit Risk	6.3%	1
Valuation Risk	4.5%	0.4
Risk-free rate	2.5%

If the actual return is 9.8%, what is the value of alpha? Round to 4 decimal places if possible