Suppose a bank's liquidity division estimates that it holds $19 million in hot money deposits against which it will hold an 80 percent liquidity reserve, $54 million in vulnerable funds against which it plans to hold a 25 percent reserve and $112 million in stable or core funds against which it will hold a 5 percent liquidity reserve. The bank expects its loans to grow 8 percent annually; its loans currently stand at $117 million, but have recently reached $132 million. If reserve requirements on liabilities currently stand at 3 percent, what is this depository institution's total liquidity requirement?