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Default rounding up and down formulas

I am creating a retail price for our items. Problem is that I want the retail
price to end in either a .49 or .99. Example when I figure my retail pricing
off my cost it may come out to $6.74 and I would like to have a formula so
that it would automatically come out to $6.99 or if it was to $6.49 if is was
a lower number. Thanks!
 
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