sentences:  The capital charge for each business line is calculated by multiplying gross income by a factor (denoted beta) assigned to that business line.Beta serves as a proxy for the industry-wide relationship between the operational risk loss experience for a given business line and the aggregate level of gross income for that
  business line.The total capital charge is calculated as the three-year average of the simple summation of the regulatory capital charges across each of the business lines in each year.