Louise Gendron's monthly gross income is $$5,500.$ Her employer withholds $$825$ in federal and provincial income taxes, $$224\mathrm{.}68$ towards the Canada Pension Plan, and $$82\mathrm{.}67$ for El contributions. Louise contributes $$250$ per month to her RRSP$.$ Her monthly credit payments for Visa and MasterCard are $$90$ and $$80,$ respectively. Her monthly payment on an automobile loan is $$500.$

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