Louise Gendron's monthly gross income is $3.120. Her employer withholds $468 in federal and provincial income taxes and $140 in Canada Pension Plan contributions per month. Louise contributes $130 per month to her RRSP. Her monthly credit payments for Visa and MasterCard are $58 and $38, respectively. Her monthly payment on an automobile loan is $300. 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? Yes Hal wants to establish a savings fund from which a community organization could draw $1,520 a year for 30 years. If the account earns 5 percent, what amount does he have to deposit now to achieve this goal? Use Appendix 18 4. (Round time value factors to 3 decimal places and final answer to 2 decimal places. Omit the "S" sign in your response.) Amount to be deposited