3. The Miquels had the following housing expenses for September: mortgage payment of $396.80, $34.15 for insurance premium, $139.40 for real estate taxes, $44.75 for home improvements, $51.20 for electricity, $29.75 for telephone service, $63.84 for natural gas, and $18.50 for water. Their monthly gross pay is $2,478.60. a. What is their monthly housing cost? b. Based on their monthly gross pay, what is the recommended FHA maximum for their housing expenses? c. Is their monthly housing cost within the FHA recommendation?​