Will I have to work on Saturdays? does valium cause vivid dreams According to one major bank's estimates, the potential totalshortfall of loss-absorbing capital may be close to US$400bn, ifthe top seven regionals and the US SIFIs have to satisfy a 20%target, in addition to the biggest banks complying with acapital conservation buffer of 2.5% and a SIFI surcharge of1.0%-2.5%, both of which must be satisfied with common equity.