code: public String penniesToDollars (int pennies)
      {
          float decimal = pennies / 100f;
          // if the pennies is a whole number of dollars, then we return just the string number
          if (pennies % 100 == 0) {
              return String.format("%.0f", decimal);
          }
          // otherwise we always return two decimal places
          return String.format("%#.2f", decimal);
      }
docs: Velocity currently doesn't support floats, so we have to provide our own support to convert
  pennies to a dollar amount.