Louise$$s monthly gross income is $$2,200.$ Her employer withholds $$440$ in federal, state, and local income taxes and $$176$ in Social Security taxes per month. Louise contributes $$88$ per month for her IRA. Her monthly credit payments for Visa, MasterCard, and Discover cards are $$41,$ $$30,$ and $$21,$ respectively. Her monthly payment on an automobile loan is $$303.$

$($a$)$ What is Louise$$s debt payments$-$to$-$income ratio? $($Enter your answer as a percent rounded to $1$ decimal place.$)$

$($b$)$ Is Louise living within her means?

multiple choice

Yes

No