A laboratory test for the detection of a certain disease gives a positive result 5 percent of the time for people who do not have the disease. The test gives a negative result 1 percent of the time for people who have the disease. Large-scale studies have shown that the disease occurs in about 2 percent of the population. Suppose three people are randomly selected to be tested for this disease. If the results of each test are independent, what is the probability that none of the three tests will be positive?

What is the probability that at least one of the three tests will be positive?