Louise Gendron's monthly gross income is $2,000. Her employer withholds $400 in federal and provincial income taxes and $160 in CPP contributions per month. Louise contributes $80 per month for her RRSP. Her monthly credit payments for VISA, MasterCard, and Diners/En Route cards are $35, $30, and $20, respectively. Her monthly payment on an automobile loan is $285. What is Louise's debt payments-to-income ratio? Is Louise living within her means?