You want to invest in NJC Stock and would like to know the potential returns of the stock. You notice that NJC has a beta of 0.98. You look up the 10-year treasury bond Yield to Maturity (YTM) and notice the going rate of return on T-Bills is 4%. You are given that the market return for NJC stock and its sector is 6%. What is the estimated rate of return on NJC Stock (round your answer to two decimal places){DO NOT USE % SIGNIF THE ANSWER IS 12.3% TYPE 12.3)?