Bank of Ww currently has $50 million in stable deposits against which they want to keep 10% reserves, $100 in vulnerable deposits against which they want to keep 40% reserves, and they have $50 million in "hot money" deposits against which they want to keep 90% reserves. The loans currently total $122 million but have recently reached $145 million and are expected to grow 6% annually. The legal reserves for this bank are 10% of all deposits. What is the bank's liability liquidity reserve