In the attached, the dependent variable is the response to an online service subscription offer. Responses were '0 = No' and '1 = Yes'. Please 1) Explain the odds ratio for the number of online purchases made in the previous month and 2) What does an odds ratio of less than 1.0 mean? My interpretation is '-.090' means the less likely someone made an online purchase the pervious month, the more likely someone will say yes to the subscription. But I can be wrong and I'm not sure what an odds ratio of less than 1.0 mean. I've attached different screenshots to see if that helps with answer my questions. The "Variables in the Equation" Table is where I got the "-.090". Please guide me. Thank you

Classification Table Predicted response to online service subscription offer Percentage Observed No Yes Correct Step 1 response to online No 2141 370 85.3 service subscription offer Yes 668 502 42.9 Overall Percentage 71.8 a. The cut value is .500Model Summary -2 Log Cox & Snell R Nagelkerke Step likelihood Square R Square 1 3820.272 192 268 a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.Coefficients Standardized Unstandardized Coefficients Coefficients Model B Std. Error Beta Sig. 1 (Constant) .080 .055 1.450 .147 years of formal .009 .002 .065 education completed 4.213 .000 respondent age in years .006 .001 .132 6.472 .000 household income in .001 .000 .094 5.921 thousands .000 number of online -.012 .001 -.312 -14.971 .000 purchases previous month a. Dependent Variable: response to online service subscription offerVariables in the Equation B S.E. Wald df Sig. Exp(B) Step 13 years of formal 051 013 15.800 .000 education completed 1.052 respondent age in years .034 006 36.440 .000 1.035 household income in 007 001 60.272 1 000 thousands 1.007 number of online -.090 .006 240.869 .000 .914 purchases previous month Constant -2.138 .325 43.210 1 000 .118 a. Variable(s) entered on step 1: years of formal education completed, respondent age in years, household income in thousands, number of online purchases previous month