With a risk-free rate of 3.6% and a market risk-premium of 7.9%, a stock's expected rate of return is 14.1%. The following year, the market-risk premium decreases by 1% but the stock's beta and the risk-free rate remain the same. What will be the expected rate of return on the stock for that year? Answer as a percent return to the nearest hundredth of a percent as in xx.xx without entering a percent symbol. For negative returns include a negative sign