Glenfield Asset Management estimates the expected return of Morrow Technologies using the CAPM: Rf = 2.5%, market risk premium = 6.0%, beta = 1.3. Using a three-factor APT model, the estimate is: Rf = 2.5%, market factor loading = 1.1 with premium 5.5%, size factor loading = 0.6 with premium 2.8%, value factor loading = 0.4 with premium 3.2%. What is the difference in expected return between the APT and CAPM estimates?