Louise Gendron's monthly gross income is $3,160. Her employer withholds $474 in federal and provincial income taxes and $144 in Canada Pension Plan contributions per month. Louise contributes $150 per month to her RRSP. Her monthly credit payments for Visa and MasterCard are $60 and $40, respectively. Her monthly payment on an automobile loan is $310. 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? O Yes O No