Stock Y has a beta of 1 and an expected return of 12.4 percent. Stock Z has a beta of .6 and an expected return of 8.2 percent. If the risk-free rate is 5.2 percent and the market risk premium is 6.4 percent, the reward-to-risk ratios for stocks Y and Z are ______ and _________percent, respectively. The SML reward-to-risk is _____ percent.