Angus Bank holds no excess reserves but complies with the reserve requirement. The required reserves ratio is 10%, and reserves are currently $30 million. The amount of deposits is $ million. (Round your response to one decimal place.) The reserve shortage created by a deposit outflow of $6 million is $ million. (Round your response to two decimal places.) The cost of the reserve shortage if Angus Bank borrows in the federal funds market (assume the federal funds rate is 0.20%) is $