1. A programmer would like a paged virtual memory because the system is transparent to the programmer. The programmer would have to make specific adjustments while coding for a segmented virtual memory.
2. Access time = .95 x (15 + 120) + .05 x (15 + 120 + 120) = 141 nanoseconds. This is a slowdown of only 17 percent. As you can see the higher the hit rate in the TLB the faster virtual memory becomes.