Louise mcintyre's monthly gross income is $2,000. her employer withholds $400 in federal, state, and local income taxes and $160 in social security taxes per month. louise contributes $80 per month for her ira. her monthly credit payments for visa, mastercard, and discover cards are $35, $30, and $20, respectively. her monthly payment on an automobile loan is $285.(a) what is louise's debt payments-to-income ratio? (b) is louise living within her means?