An urn contains $2$ white balls and $3$ black balls. Two balls are drawn from the urn. Let $P_{\text{with}}$ be the probability that both balls are white when drawn with replacement, and $P_{\text{without}}$ be the probability that both balls are white when drawn without replacement. What is the value of the ratio $\frac{P_{\text{with}}}{P_{\text{without}}}$?