please explain step by step. how you do it?

Calculate the Gross Debt Service (GDS) and the Total Debt Service (TDS) ratios for the following data. (Round your answers to 2 decimal places. Omit the "%" sign in your response.) Monthly mortgage payment = $2,700 Property taxes = $320 Heating costs = $235 Other housing costs = $190 Personal loan payment = $270 Car loan payment = $320 Credit card payment = $270 Gross monthly household income = $13,800 % Gross Debt Service Total Debt Service Louise Gendron's monthly gross income is $3,300. Her employer withholds $495 in federal and provincial income taxes and $158 in Canada Pension Plan contributions per month. Louise contributes $220 per month to her RRSP. Her monthly credit payments for Visa and MasterCard are $67 and $47, respectively. Her monthly payment on an automobile loan is $345. a. What is Louise's debt-payments-to-income ratio? (Round your answer to 2 decimal places. Omit "%" sign in your response.) Debt payments-to-income ratio % b. Is Louise living within her means? O Yes O No A few years ago, Maria Ramundo purchased a home for $149,000. Today, the home is worth $220,000. Her remaining mortgage balance is $54,000. Assuming Maria can borrow up to 80 percent of the market value of her home, what is the maximum amount she can borrow? (Omit "$" sign in your response.) Maximum amount