Your company has 50 million shares trading at a price of $80, and perpetual debt with face value of $2.5 billion and coupon rate 10%. The debt is rated AA and has a yield of 12.5%. There is a proposal to issue an additional $1 billion of equal-seniority perpetual debt, and use the proceeds to buy back equity. However, this is expected to lower the bond rating to A-, which would raise the yield to 13.5%. If you go ahead with the change, the wealth transfer from _______ would amount to _______.