A DI has the following assets in its portfolio: $20M in cash reserves at the Fed $20M in T-Bills $50M in mortgage loans If it needs to dispose of its assets at short notice, it will only receive 99% of the fair market value of the T-Bills and 90% of the fair market value of the mortgages. If the Dl waits one month to liquidate these assets, it would receive full fair market value for each security. Calculate the one-month liquidity index for this company