First Bank has some question as to the tax-free nature of $5.70 million of its municipal bond portfolio. This amount is excluded from First Banks taxable income of $56.20 million. Management has determined that there is a 65% chance that the tax-free status of this interest cant withstand scrutiny of taxing authorities. Assuming a 35% tax rate, what amount of income tax expense should the bank report? (Enter your answer in millions to 2 decimal places. Omit the "$" sign in your response.) Income tax expense $