There is a 37.52% probability of an average economy and a 62.48% probability of an above average economy. You invest 45.22% of your money in Stock S and 54.78% of your money in Stock T. In an average economy the expected returns for Stock S and Stock T are 13.24% and 11.18% , respectively. In an above average economy the the expected returns for Stock S and T are 19.52% and 16.56% , respectively. What is the expected return for this two stock portfolio?