A small coin rests at the bottom of a reservoir filled with clear water of refractive index \(n = 1.33\) to an actual depth \(d\). An observer in air (refractive index \(n_{\text{air}} = 1.00\)) looks down at the coin from directly above the water surface. Which of the following correctly compares the apparent depth \(d'\) of the coin to its actual depth \(d\) and provides a correct physical justification?