Barbara Friedman, a bank manager on the asset-liability committee, must estimate the amount of money market funding she expects the bank to need in the coming week. Friedman estimates that the bank will make $60 million of new loans in the coming week. The bank does not plan to make any security investments but does expect additional drawdowns on credit lines to equal $10 million. The bank is in a highly competitive deposit market and only expects $15 million in new deposits in the coming week. However, based on previous years' experience, she expects that two of the bank's largest customers will withdraw $1 million each in the coming week. Friedman should estimate the available funds gap for the coming week to be: