A direct mapped cache memory of 1 MB has a block size of 256 bytes. The cache has an access time of 3 ns and a hit rate of 94%. During a cache miss, it takes 20 ns to bring the first word of a block from the main memory, while each subsequent word takes 5 ns. The word size is 64 bits. The average memory access time in ns (round off to 1 decimal place) is ________ .