Two concentric circular coils X and Y of radii 16 cm and 10 cm, respectively, lie in the same vertical plane containing the north to south direction. Coil X has 20 turns and carries a current of 16 A; coil Y has 25 turns and carries a current of 18 A. The sense of the current in X is anticlockwise, and clockwise in Y, for an observer looking at the coils facing west. Find the magnitude and direction of the net magnetic field due to the coils at their centre.