There is a 59.10% probability of an average economy and a 40.90% probability of an above average economy. You invest 40.70% of your money in Stock S and 59.30% of your money in Stock T. In an average economy the expected returns for Stock S and Stock T are 12.30% and 12.70%, respectively. In an above average economy the the expected returns for Stock S and T are 12.90% and 12.70%, respectively.

What is the expected return for this two stock portfolio?