Average memory access time of one-level cache system is given by: (Hit time) + (Miss rate) x (Miss penalty) Assume a memory system has two levels of cache (L1 and L2), give the memory access time. Assume hit time is 1 and 5 clock cycles, miss rates are 10% and 5% respectively for L1 and L2 cache. Miss penalty for L2 cache is 100 clock cycles. Give the average memory access time.