John just moved out of state and, in doing so, had to take a salary cut. At his previous job, his annual salary was $47,000 and his monthly expenses included a $850 rent payment, a $325 car payment, and $375 in minimum credit card payments. His new job has a salary of $43,500. He has the same car payment and minimum credit card payments, but his new apartment costs a mere $625 per month. How did John's move affect his debt-to-income (DTI) ratio? a. John's DTI ratio decreased by 3%. b. John's DTI ratio increased by 3%. c. John's DTI ratio decreased by 9%. d. John's DTI ratio increased by 9%