A simple computer has a main memory and a disk but not a cache. If a referenced word is in main memory, 90ns are required to access it. If it is on disk but not in main memory, 10ms are needed to load it into main memory (this includes the time to originally check the main memory), and then reference is started again. The main memory hit ratio is 0.8. What is the average time in ns required to access a referenced word on this system