There is a 48% probability of an average economy and a 52% probability of an above average economy. You invest 31% of your money in Stock S and 69% of your money in Stock T. In an average economy the expected returns for Stock S and Stock T are 15% and 12%, respectively. In an above average economy the the expected returns for Stock S and T are 19% and 26%, respectively. What is the expected return for this two stock portfolio?