A cliff diver on a Caribbean island jumps from a height of 105 feet, with an initial upward velocity of 5 feet per second. An equation that models the height, h(t), above the water, in feet, of the diver in time elapsed, t, in seconds is h(t) = -16t2+ 5t + 105. How many seconds, to the nearest hundredth, does it take the diver to fall 45 feet below his starting point?