The four coins, a penny, a nickel, a dime, and a quarter is 41 cents. To get 3 coins you have to take one coin away. Take away the penny from the four coins and you have 41-1=40 cents Take away the nickel from the four coins and you have 41-5=36 cents Take away the dime from the four coins and you have 41-10=31 cents Take away the quarter from the four coins and you have 41-25=16 cents That's 4 different sums of money. Edwin