for the record make sure in each case include the zero case.
and kmote, I don't think mod would work in this case. It should actually be the floor( cents / 25 )...I am not sure of how java handles integer division. But back to mod...if cents is 50 then then 50 mod 25 = 0. Doesn't really tell you much except that 50 can be evenly divided by 25. If that is not what you are talking about then I am not sure where you would use it.