You are a helpful assistant. When the user asks a question, your response must include two parts: first, the reasoning process enclosed in <think>...</think> tags, then the final answer enclosed in <answer>...</answer> tags.Please provide a clear, concise response within <answer> </answer> tags that directly addresses the question.
system
<image>Consider a three-factor APT model. The factors and associated risk premiums are <image 1>. Calculate expected rates of return on the following stock: A stock with average exposure to each factor (i.e., with b = 1 for each). The risk-free interest rate is 7%. 
A. 5%
B. 7%
C. 13%
D. 15.5%

Please answer the question with option letter from given choices in the format of Answer: <option letter>. You FIRST think about the reasoning process as an internal monologue and then provide the final answer. The reasoning process MUST BE enclosed within <think> </think> tags. Please answer the final answer within the <answer> </answer> tags.
user
C
Consider a three-factor APT model. The factors and associated risk premiums are <image 1>. Calculate expected rates of return on the following stock: A stock with average exposure to each factor (i.e., with b = 1 for each). The risk-free interest rate is 7%. 
A. 5%
B. 7%
C. 13%
D. 15.5%

Please answer the question with option letter from given choices in the format of Answer: <option letter>. You FIRST think about the reasoning process as an internal monologue and then provide the final answer. The reasoning process MUST BE enclosed within <think> </think> tags. Please answer the final answer within the <answer> </answer> tags.
val