Louise's monthly gross income is $2,500. Her employer withholds $500 in federal, state, and local income taxes and $200 in Social Security taxes per month. Louise contributes $100 per month for her IRA. Her monthly credit payments for Visa, MasterCard, and Discover cards are $39, $34, and $30, respectively. Her monthly payment on an automobile loan is $376. (a) What is Louise's debt payments-to-income ratio? (Enter your answer as a percent rounded to 1 decimal place.) Debt payments-to-income ratio % (b) Is Louise living within her means? Yes O No