Louise Gendron's monthly gross income is $$4,200.$ Her employer withholds $$630$ in federal and provincial income taxes, $$198\mathrm{.}68$ towards the Canada Pension Plan, and $$56\mathrm{.}67$ for El contributions. Louise contributes $$120$ per month to her RRSP$.$ Her monthly credit payments for Visa and MasterCard are $$77$ and $$67,$ respectively. Her monthly payment on automobile loan is $$435.$

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

$0\mathrm{.}22\%\%$

b$.$ Is Louise living within her means?

Yes

No