3.Regulated Lending Corp., a depository institution regulated by the Fed, has the below segments in its loan portfolio. Its cost of funding is 2.00%. (All rates are per annum.) It has 30 billion in Tier 1 regulatory capital and must maintain an 8% Tier 1 capital ratio.

• 500 billion in high-grade loans at 20% risk weight (RW), 3.25% interest, and a 0.20% expected loss (EL)
• 200 billion in A-rated quality loans at 50% RW, 4.75% interest, and a 0.40% EL
• 100 billion in BBB quality loans at 100% RW, 5.50% interest, and a 0.8% EL
• 75 billion in low credit quality loans at 150% RW, 9.00% interest, and a 4.25% EL

What is the banks regulatory capital surplus? (A positive number indicates surplus, 0 indicates meets its regulatory capital requirements, and a negative number indicates it is undercapitalized.) Enter the answer in billions of dollars to the nearest tenth.