On January 1, 2013, Lucy deposited 90 into an investment account. On April 1, 2013, when the amount in Lucy's account was equal to X, a withdrawal of W was made. No further deposits or withdrawals were made to Lucy's account for the remainder of the year. On December 31, 2013, the amount in Lucy's account was 85. The dollar-weighted return over the 1-year period was 20%. The time-weighted return over the 1-year period was 16%. Calculate X