A thin layer of oil with index of refraction \(n_{\text{oil}} = 1.45\) floats on top of water with index of refraction \(n_{\text{water}} = 1.33\). Monochromatic light traveling in air with index of refraction \(n_{\text{air}} = 1.00\) is incident nearly perpendicular to the top surface of the oil layer. A portion of the light reflects at the air-oil interface, while the transmitted portion travels through the oil layer and reflects at the oil-water interface. Which of the following correctly identifies the phase shifts of the electric field for the two reflected waves relative to their incident waves at each boundary, along with the correct justification?