United Lending Corp., a depository institution regulated by the Fed, has the below segments in its loan portfolio. Its cost of funding is 4.00%. (All rates are per annum.) It has 100 billion in Tier 1 regulatory capital and must maintain an 8\% Tier 1 capital ratio. - 800 billion in high grade loans at 20% risk weight (RW), 4.50% interest, and a 0.01% expected loss (EL) - 700 billion in A-rated quality loans at 50%RW,5.00% interest, and a 0.05%EL - 500 billion in BBB quality loans at 100%RW,6.25% interest, and a 0.20% EL - 300 billion in low credit quality loans at 150% RW, 9.75% interest, and a 2.75% EL What is the bank's surplus/deficit to its required regulatory capital? Answer in billions to the nearest tenth (e.g. 2.5 for 2.5 billion surplus or 2.5 for a 2.5 billion deficit)