A bank has the following assets (in millions): cash and government bonds of $38.71, government agency bonds of $22.93, mortgages of 118.18, and loans to individuals and corporations of 157.81. According to Basel 1, how much in total regulatory capital (Tier 1 + Tier 2) is the bank required to have? Express $ million, to the nearest $0.001 million; drop the $ symbol.