Assume that a banks liquidity division estimates that it holds $42 million in hot money deposits and other IOUs against which it will hold an 75 percent liquidity reserve, $65 million in vulnerable funds against which it plans to hold a 20 percent reserve, and $98 million in stable funds against which it will hold a 8 percent liquidity reserve. The bank expects its loans to grow 12 percent annually; its loans currently stand at $98 million, but have recently reached $128 million. If reserve requirements on liabilities currently stand at 4 percent, what is this banks total liquidity requirement?