You have a two-level cache with the following specifications: L1 is 64KB direct-mapped with 32B blocks. Hit time is 1ns and local miss rateL1 is 5% L2 is 1MB 4-way set-associative with 128B blocks. Hit time is 20ns and global miss rateL2 is 2% Penalty to fetch block from memory to L2 is 60ns What is the average memory access time?