Suppose you are given the following information. The beta of company, bi, is 0.9, the risk free rate, rRF, is 6.8%, and the expected market premium, rM-rRF, is 6.3%. Because your company is larger than average and more successful than average (i.e., it has a lower book-to-market ratio), you think the Fama-French 3-factor model might be more appropriate than the CAPM. You estimate the additional coefficients from the Fama-French 3-factor model: the coefficient for the size effect, Ci, is -0.5, and the coefficient for the book-to-market effect, di, is –0.3. If the expected value of the size factor is 4% and the expected value of the book-to-market factor is 5%, what is the required return using the Fama-French 3-factor model? (Assume that Ai = 0.0.) What is the required return using CAPM?