A certain University exam involves True–False questions. Students who take this exam can be classified into three classes: skilled, who answer each question correctly with probability 0.95, well-prepared, who answer each question correctly with probability 0.75, and guessers who simply take a stab at the answers. One of the students taking the exam has answered the first three questions correctly. What is the probability that she will give a correct answer to the fourth one, too?