Suppose the cache access time is $1$ ns$,$ main memory access time is $20$ ns $,$ and the cache hit rate is $98\%.$ Assuming memory access is initiated only when there is a cache miss, what is the effective memory access time?

A disk has a rotation speed of $9600$ rpm $,$ and average seek time of $1$ ms and data transfer rate of $1$ MBps $.$

What is its average access time for transferring one block of data of size $1$ KB from$/$to the disk? Assume no other controller overhead and no queuing delay. Express your answer in milliseconds $($roundedto $2$ digits after decimal point$).$