Louise's monthly gross income is $3,900. Her employer withholds $780 in federal, state, and local income taxes and $312 in Social Security taxes per month. Louise contributes $156 per month for her IRA. Her monthly credit payments for Visa, MasterCard, and Discover cards are $45, $37, and $27, respectively. Her monthly payment on an automobile loan is $292. (a) What is Louise's debt payments-to-income ratio? Note: Enter your answer as a percent rounded to 1 decimal place. Debt payments-to-income ratio %