Louise Gendron$$s monthly gross income is $$5,200.$ Her employer withholds $$780$ in federal and provincial income taxes, $$218\mathrm{.}68$ towards the Canada Pension Plan, and $$76\mathrm{.}67$ for EI contributions. Louise contributes $$220$ per month to her RRSP$.$ Her monthly credit payments for Visa and MasterCard are $$87$ and $$77,$ respectively. Her monthly payment on an automobile loan is $$485.$

a$.$ What is Louise$$s debt$-$payments$-$to$-$income ratio? $($Round your answer to $2$ decimal places. Omit $"\%"$ sign in your response.$)$

Debt payments$$to$$income ratio

$\%$

b$.$ Is Louise living within her means?

multiple choice

Yes

No