XYZ Company common stock is currently selling for $20 per share. Security analysts at Smith Blarney have assigned the following probability distribution to the price of (and rate of return on) XYZ stock one year from now:

Price	Rate of Return	Probability
$14	30%	0.30
22	10%	0.10
24	+20%	0..10
28	+40%	0.50

Assuming that XYZ is not expected to pay any dividends during the coming year, determine the expected rate of return on XYZ Stock.