Mountain Top Savings is projecting a net liquidity

deficit of $10 million next week partially as a result of

expected quality loan demand of $32 million, necessary

repayments of previous borrowings of $15 million,

planned stockholder dividend payments of $10 million,

expected deposit inflows of $26 million, revenues from

nondeposit service sales of $18 million, scheduled

repayments of previously made customer loans of $23

million, asset sales of $10 million, other operating

expenses of $15 million, and money market borrowings

of $15 million. How much must Mountain Top's expected

deposit withdrawals be for the coming week?