In rats, the following genotypes of two independently assorting autosomal genes determine coat color as follows: A-B- (gray), A-bb (yellow), aaB- (black), aabb (cream). A third gene pair on a separate autosome determines whether or not any color will be produced. DD and Dd genotypes allow color according to the expression of the A and B alleles. However, the dd genotype results in albino rats regardless of alleles of the A and B alleles present. Determine the phenotypic ratios of the offspring from the following crosses:

AaBbDd x AaBbDd