Louise Gendron's monthly gross income is $$4,500.$ Her employer withholds $$675$ in federal and provincial income taxes, $$204\mathrm{.}68$ towards the Canada Pension Plan, and $$62\mathrm{.}67$ for El contributions. Louise contributes $$150$ per month to her RRSP$.$ Her monthly credit payments for Visa and MasterCard are $$80$ and $$70,$ respectively. Her monthly payment on antomobile loan is $$450.$

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

No