Considering a demand-paging system with a hard drive that has an average access and transfer time of 10 milliseconds. Addresses are translated through a page table in main memory, with an access time of 100 nanoseconds per memory access. By using cache/associative memory, 80% of memory access are completed within one main memory access. Of those remaining, through well-designed paging replacement algorithms, 10% (or 2% of the total) causes page faults. What is the effective memory access time