There are three major cases, Major case I. Using no half dollars Major case II. Using exactly 1 half dollar. Major case III. Using two half dolars. I. Using 0 half dollars. There are 4 sub-cases. Sub-Case A. Using 0 quarters, Sub-Case B. Using exactly 1 quarter Sub-Case C. Using exactly 2 quarters Sub-Case D. Using exactly 3 quarters Sub-Case E. Using exactly 4 quarters. Sub-Case A: If you don't use any quarters you can use from 0 up to 10 dimes, and the rest, if any, can be had all in nickels. That's 11 possible ways to use no quarters. Sub-Case B: If you use exactly 1 quarter you can use from 0 up to 7 dimes, and the rest can be had all in nickels. That's 8 possible ways to use 1 quarters. Sub-Case C: If you use exactly 2 quarters you can use from 0 up to 5 dimes, and the rest, if any, can be had all in nickels. That's 6 possible ways to use 2 quarters. Sub-Case D: If you use exactly 3 quarters you can use from 0 up to 2 dimes, and the rest can be had all in nickels. That's 3 possible ways to use 3 quarters. Sub-Case E: If you use 4 quarters, that's the whole dollar, so that's 1 more way. Total from all those sub-cases for Major Case I: 11+8+6+3+1 = 29 ways ---- Major case II. Using exactly 1 half dollars. That leaves 50 cents. There are 3 sub-cases. Sub-Case A. Using 0 quarters, Sub-Case B. Using exactly 1 quarter Sub-Case C. Using exactly 2 quarters Sub-Case A: If you don't use any quarters you can use from 0 up to 5 dimes, and the rest, if any, can be had all in nickels. That's 6 possible ways to use no quarters. Sub-Case B: If you use exactly 1 quarter you can use from 0 up to 2 dimes, and the rest can be had all in nickels. That's 3 possible ways to use 1 quarters. Sub-Case C: If you use exactly 2 quarters you have the whole dollar, so that's 1 more way. Total from all those sub-cases for Major Case II: 6+3+1 = 10 ways ---- Major case III. Using 2 half dollars. That's the whole dollar. So that's one more case. So from major case I, II, and III, we have 29+10+1 = 40 ways. Answer: 40 ways to change a dollar using only half dollars, quarters, dimes and nickels, no pennies. If you count changing a paper dollar for a dollar coin, then there are 41 ways. So the answer is 40 if you don't count 1 silver dollar as a way to change a dollar, and 41 if you do. Edwin