A CPU has two levels of cache. Its clock rate is $3\mathrm{.}5$GHz$.$ The base CPI is $0\mathrm{.}5.$ The level$-1$ cache access is included in the base CPI. The level$-2$ cache access time is $7\mathrm{.}14$ns$.$ The main memory access time is $42\mathrm{.}86$ns$.$

If the level$-1$ cache hit rate is $0$ and the level$-2$ cache miss rate is $0\mathrm{.}1,$ what is the effective CPI?