An annulus is the region between two concentric circles. The concentric circles in the figure have radii $b$ and $c$, with $b>c$. Let $OX$ be a radius of the larger circle, let $XZ$ be tangent to the smaller circle at $Z$, and let $OY$ be the radius of the larger circle that contains $Z$. Let $d=YZ$ and $e=XY$. What is the area of the annulus?