The read access times and the hit ratios for different caches in a memory hierarchy are as given below.

The read access time of main memory is 90 nanoseconds. Assume that the caches use the referred word-first read policy and the write back policy. Assume that all the caches are direct mapped caches. Assume that the dirty bit is always 0 for all the blocks in the caches. In execution of a program, 60% of memory reads are for instruction fetch and 40% are for memory operand fetch. The average read access time in nanoseconds (up to 2 decimal places) is______.