Louise McIntyres monthly gross income is $3,700. Her employer withholds $840 in federal, state, and local income taxes and $390 in Social Security taxes per month. Louise contributes $240 each month to her IRA. Her monthly credit payments for VISA and MasterCard are $135 and $150, respectively. Her monthly payment on an automobile loan is $305. 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