This year Bob Katz had a debt service ratio of 41% compared to a value of 39% the year before. Which of the following statements is correct?

There is a slight improvement from the previous year, Bob is paying less in debt payments.

There is a drastic improvement from the previous year, Bob is paying a lot less in debt payments.

There is a slight decline from the previous year, Bob is paying more in debt payments.

There is a drastic decline from the previous year, Bob is paying a lot more in debt payments

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