Stock Y has a beta of 1.3 and an expected return of 18.5 percent. Stock Z has a beta of .70 and an expected return of 12.1 percent. If the risk-free rate is 8 percent and the market risk premium is 7.5 percent, the reward-to-risk ratios for stocks Y and Z are ___and ___percent, respectively. Since the SML reward-to-risk is percent, Stock Y is undervalued and Stock Z is overvalued.