Ron invests Z at the end of each year for 7 years at an annual effective interest rate of 3%. The interest credited at the end of each year is reinvested at an annual effective rate of 6%. The accumulated value at the end of seven years is X. Lori invests Z at the end of each year for 14 years at an annual effective interest rate of 4%. The interest credited at the end of each year is reinvested at an annual effective rate of 5%. The accumulated value at the end of 14 years is Y. 

Calculate Y/X.