The incidence of a certain disease in the population is estimated to be 1.0 %. That is, the probability that a randomly selected person having the disease is 0.01. A test for this disease is 95 % accurate; that is, it will positively identify a person who has the disease with a probability of 0.95. On the other hand, the test produces false positives with a probability of 0.04 . If a person tests positive for the disease, what is the probability that the individual actually has the disease ?