Louise Gendron's monthly gross income is $$4,400.$ Her employer withholds $$660$ in federal and provincial income taxes, $$202\mathrm{.}68$ towards the Canada Pension Plan, and $$60\mathrm{.}67$ for El contributions. Louise contributes $$140$ per month to her RRSP$.$ Her monthly credit payments for Visa and MasterCard are $$79$ and $$69,$ respectively. Her monthly payment on an automobile loan is $$445.$

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

Debt payments$-$to$-$income ratio $\%$

b$.$ Is Louise living within her means?

$$ Yes

No