XXX is a builder and will complete one construction for its customer. It has 10 months to complete the building. The total contract price is $246 million. It is estimated that XXX will make a profit of 25% of the contract value. Labour costs and material costs are expected to be 65% and 35% of the construction costs, respectively. As this is a relatively straightforward project for XXX, it is safe to assume that construction progress will be spread evenly over the life of the project. Interim payment certificates will be issued at the end of each month, and the corresponding payments received from its customer will occur two months after the issue of the progress certificate. At the beginning of the project, the retention fund of XXX should have 10% of the total contract value. Additionally, XXX has to set up a retention fund which will require retentions at the rate of 8% of the monthly payments. As a well-established construction company, XXX expects no difficulties in obtaining two-month credit terms from the suppliers of the necessary construction materials. The bank's policy requires that XXX should provide at least 60% of the total cash requirements (as its own equity) for projects like this. What's the maximum loan amount that the bank will grant to XXX