Louise McIntyre's monthly gross income is $3,300. Her employer withholds $730 in federal, state, and local income taxes and $280 in Social Security taxes per month. Louise contributes $130 each month to her IRA. Her monthly credit payments for VISA and MasterCard are $80 and $75, respectively. Her monthly payment on an automobile loan is $360. a. What is Louise's debt payments-to-income ratio? (Enter your answer as a percent rounded to 2 decimal places.) b. Is Louise living within her means? No Yes