You want to the expected return of your firm using the Fama-French model. The risk free rate is 2.4%, and the expected market return is 8.7%. The HML factor and the SMB factors have expected returns of 2.7%, and 3.3%, respectively. You measured beta on the market the HML factor, and the SMB factor as 0.8 , 0.5, and 0.6, respectively . What is the expected return, in percentage, for your firm?