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function centsToDollars (pennies) {
  //remember the original number of pennies, for output at the end
  let penniesOrig = pennies;
  //how many dollars?
  let dollars = Math.floor(pennies / 100);
  //how many pennies are left?
  pennies = pennies - (dollars * 100);
  //pennies = pennies % 100;
  return `${penniesOrig} pennies = ${dollars} dollars and ${pennies} cents.`;
}