You are considering buying XZW common stock. The firm has a beta of $1\mathrm{.}0$ and a standard deviation of returns of $20\%.$ Currently, U$.$S$.$ Treasury bills are yielding $5\mathrm{.}15\%$ and the expected return for the S & P $500$ is $11\%.$ What rate of return should you expect for your investment in XZW$?$