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Default Rounding cents

I just faced an annoying problem in Excel. I need to convert an euro sum (e..g. €49.80) into text formatted as the integer part four characters long with leading zeros and accordingly cents two characters long with leading zeros. Example, euro 49.80 should be presented as 004980. When I calculate the cent part it will result in 79, not 80. I have to find out a formula which always presents the cent figure correctly, not too small not too big.

Thanx Hakan
 
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