Louise McIntyre's monthly gross income is $4,000. Her employer withholds $870 in federal, state, and local income taxes and $420 in Social Security taxes per month. Louise contributes $270 each month for her IRA. Her monthly credit payments for VISA and MasterCard are $150 and $190, respectively. Her monthly payment on an automobile loan is $290. 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 No O Yes