A certain processor has access to three levels of memory. The access time of Level 1 memory is 10 ns. The access time of Level 2 memory is 50 ns. The access time of Level 3 memory is 200 ns. Assume the hit ratio of Level 1 is 0.8. The hit ratio of Level 2 is 0.95. If a word to be accessed is in Level 1 memory, it can be accessed directly; if it is in Level 2, then it is first transferred to Level 1 memory and then accessed by the processer; if it is in Level 3, it is first transferred from Level 3 to Level, then from Level 2 to Level 1, and then accessed by the processer. What is the average memory access time?