Louise McIntyre's monthly gross income is $3,400. Her employer withholds $810 in federal, state, and local income taxes and $360 in Social Security taxes per month. Louise contributes $210 each month for her IRA. Her monthly credit payments for VISA and MasterCard are $120 and $115, respectively. Her monthly payment on an automobile loan is $320. a. What is Louise's debt payments-to-income ratio? (Enter your answer as a percent rounded to 2 decimal places.) % Debt payments-to-income ratio b. Is Louise living within her means? O Yes O No a