In a 2008 article by Hsiu-Ling Lee, data from 147 colleges from 1995 to 2005 were used to predict endowments to a college from the average SAT score of students attending the college, among other variables. The resulting regression equation for these variables was Ŷ = –20.46 + 4.06(X). Using the regression equation, what would be the endowments (in billions) to a college whose students' average SAT score is 1050?