There is a 52.20% probability of an average economy and a 47.80% probability of an above average economy. You invest 31.80% of your money in Stock S and 68.20% of your money in Stock T. In an average economy the expected returns for Stock S and Stock T are 9.80% and 9.20%, respectively. In an above average economy the the expected returns for Stock S and T are 21.70% and 39.20%, respectively. What is the expected return for this two stock portfolio?