function toCurrency()
{

/* THE VARIABLES ARE DECLARED HERE:
	1.UserNumber STARTS OUT AS THE RAW USER DATA ENTERED ON THE FORM.
	2. NumberCk IS TO CHECK IF ENTERED DATA IS NEGATIVE OR IF A NUMERIC VALUE WAS ACTUALLY ENTERED.
	3. Dollars WILL BE THE PART IN FRONT OF DECIMAL (DECIMAL ENTERED OR IMAGINARY).
	4. RemAmt IS THE REMAINDER OF A NUMBER WHEN DIVIDED BY 100 (USED TO CALCULATE THE Pennies) USES THE % OPERATION.
	5. Pennies IS THE VARIABLE TO CONTAIN THE PENNIES.
	6. FinalValue IS WHAT WILL BE THE FINAL OUTPUT OF THE FORM. 
	7. NegSign IS TO HOLD THE NEGATIVE SIGN.
	8. PosSign IS TO HOLD THE POSITIVE SIGN AS A SPACE.

*/
	var UserNumber = document.convert.currency.value;
	var NumberCk = parseFloat(UserNumber);
	var Dollars;
	var RemAmt;
	var Pennies;
	var FinalValue;
	var NegSign = "-";
	var PosSign = " ";

/* MAKE SURE USER ENTERS NUMBER HERE */	
	if (isNaN(NumberCk))
		alert("You didn't enter a number!");

/* CHANGE NEGATIVE NUMBER TO POSITIVE, JAVASCRIPT DOES NOT ROUND NEG NOS PROPERLY */

	if(UserNumber <0)
		{UserNumber = -UserNumber;}

/* GET AMT BEFORE DECIMAL HERE */
/* 1. TURN THIS UserNumber INTO A NUMBER BY parseFloat. MULTIPLY THIS BY 100 TO MAKE THIS EASIER TO WORK WITH IN CASE THERE IS A LOT OF NUMBERS TO THE RIGHT OF DECIMAL.
2. USE THE Math.round METHOD TO ROUND THIS NUMBER.
3. Dollars WILL BE THE UserNumber AMOUNT BEFORE DECIMAL. SO WE USE ParseInt AND DIVIDE THIS NUMBER BACK BY 100 SINCE UserNumber HAS BEEN MULTIPLIED BY 100.
4. IF THERE ARE ONLY PENNIES, REGARDLESS OF THE SIGN, PUT A "0" IN FOR THE AMOUNT OF DOLLARS.
*/
	UserNumber = parseFloat(UserNumber*100);
	UserNumber = Math.round(UserNumber);
	Dollars = parseInt(UserNumber/100);
	
		if (isNaN(Dollars))
			{Dollars = 0};

/* GET THE AMT AFTER DECIMAL HERE */
/* 
1. GET THE REMAINDER OF THIS UserNumber WHEN IT IS DIVIDED BY 100, WHICH WILL ACTUALLY BE THE Pennies (WHEN THE % OPERATION IS USED HERE).
2. FINALLY TO GET THE PENNIES, ParseInt(RemAmt), RemAmt IS THE REMAINDER. 
*/
	RemAmt = UserNumber%100;
	Pennies = parseInt(RemAmt);

/* 
1. THIS AFTER THE DECIMAL PART MAY BE LESS THAN 10, WHICH IS NOW LESS THAN $0.10, SINCE UserNumber HAS BEEN MULTIPLIED BY 100, SO ADD AN EXTRA ZERO TO BE PUT ON THE FRONT OF THE FINAL OUTPUT AFTER DECIMAL POINT. 
*/
	if (Pennies < 10)
		Pennies = "0" + Pennies;

/* 
CALCULATE THE FINAL VALUE HERE:
1. Dollars PLUS THE "." PLUS Pennies = FinalValue
2. BUT ADD IN THE SIGNS WITH THE if else STATEMENT. 
*/
	FinalValue = (Dollars + "." +Pennies);

		if (NumberCk <0)
			FinalValue = NegSign + FinalValue;
		else
			FinalValue = PosSign + FinalValue;
	
/* PUT RESULTS BACK INTO THE FORM HERE */

	document.convert.currency.value = FinalValue;

}