You are an advisor for a brokerage who has the following three clients:

Client A: A young, recent college graduate who just secured their first gainful employment and opened a brokerage account.

Client B: A middle$-$aged professor whose children are close to starting college and who has a mortgage and automobile debt.

Client C: A recently retired high school principal who still has student debt related to their children that must be serviced over the next five years.

You have three new stocks that your brokerage is recommending, Stocks X$,$ Y and Z$,$ and you have been tasked with determining which stock is the best fit for what client, and why. You may only match one stock per client and you may not recommend the same stock twice. Given that you took FINC $4331$ at university, you immediately search the market for data you can use to determine the required return on each stock and ascertain the following:

$3-$month Treasury$-$bill: $1\mathrm{.}0\%$

Expected Market Return: $10\mathrm{.}0\%$

Stock X Beta: $1\mathrm{.}5$

Stock Y Beta: $1\mathrm{.}0$

Stock Z Beta: $0\mathrm{.}5$

Question:

Armed with this data, calculate the required return on Stocks X$,$ Y and Z$.$