A demand paging system provides a TLB (15 ns access time), cache memory (25 ns access time), main memory (75 ns access time, NOT including the cache “miss”) and 5 ms to service a page fault. The page table is found in the TLB 70% of the time, not in the TLB but in the cache 10% of the time, and in main memory 10% of the time. A process memory location is found in the cache 70% of the time and in main memory 20% of the time. Calculate the effective access time.