There is a 47.01% probability of an average economy and a 52.99% probability of an above-average economy. Invest 44.19% of the money in Stock S and 55.81% of the money in Stock T. In an average economy, the expected returns for Stock S and Stock T are 14.54% and 11.36% respectively. In an above-average economy, the expected returns for Stock S and Stock T are 36.48% and 28.61%, respectively.

What is the expected return for these two stock portfolios? (Portfolio Expected Return)