If a memory management system, with main memory using paging, has a memory access time of 100 nano seconds, (a) what is the effective access time to access the contents of logical address such as ? (b) If the memory management system were to include a TLB (with access time of 50 nanoseconds), with a TLB hit ratio of 0.85, determine the effective memory access time to access the contents of a logical address ?