Suppose Susan invests Z at the beginning of each year for seven years at an effective annual interest rate of 5%. The interest credited at the end of each year is reinvested at an effective annual rate of 6%. The accumulated value at the end of seven years is X. Lori invests Z at the beginning of each year for 14 years at an effective annual interest rate of 2.5%. The interest credited is reinvested at an effective annual rate of 3%. The accumulated value at the end of 14 years is Y. Calculate Y/X.