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3 User Defined Funtions

Madeirey (8)
So I am taking this C++ course and I am currently dying in it... So help would be lovely. I am supposed to add 3 user-defining functions and at least one of those functions should have a variable passed by reference. Also, I thought it worked, but it actually doesn't. And I have no idea how to fix it...

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    #include <iostream>
#include <iomanip>
#include <string>

using namespace std;

int main ()

{
    double total=0;
	int quarters=0;
	int dimes=0;
	int nickles=0;
	int pens;
	double change = 0;
	int twd =0;
	int td = 0;
	int fd = 0;
	int od = 0;
    string choice = "y";
    //The loop back after the choice of yes.
    while (choice == "y" || choice == "Y")
{
   cout << "Enter amount of change you wish to convert: <max of $99.99> ";
		cin >> total;
		
    while (total > 100 || total == 0) //total has to be less than 100 or else it will ask you again.
    {
       cout<<"Enter amount of change you wish to convert: <max of $99.99> ";
		cin >> total; //Entering the amount.
    }
		change = total*100;
		twd = change/2000;
		change = change - (twd * 2000);
		td = change/1000;
		change = change - (td * 1000);
		fd = change/500;
		change = change - (fd * 500);
		od = change/100;
		change = change - (od * 100);
		quarters = change/25;
		change = change - (quarters * 25);
		dimes = change/10;
		change = change - (dimes * 10);
		nickles = change/5;
		change = change - (nickles * 5);
		pens = change/1;
		change = change - (pens * 1);
		cout << "\n\nBills Returned:\t\t";
		if(twd != 0)
          cout<<"Twentys: "<<twd<<"\n";
        if(td != 0)
        cout<<"\t\t\tTens: "<<td<<"\n";
        if(fd != 0)
        cout<<"\t\t\tFives: "<<fd<<"\n";
        if(od !=0)
        cout<<"\t\t\tOnes: "<<od<<"\n";
		if(quarters != 0)
			cout << "\n\nCoins Returned:\t\tQuarters: " << quarters << "\n";
		if(dimes != 0)
			cout << "\t\t\tDimes: " << dimes << "\n";
		if(nickles != 0)
			cout << "\t\t\tNickles: " << nickles << "\n";
		if(pens != 0)
			cout << "\t\t\tPennies: " << pens << "\n";
			
		cout << "\n\nDo you have more change to convert? <Y or N>: ";
		cin >> choice;
	}
	
}
AbstractionAnon (6954)
I am supposed to add 3 user-defining functions

I don't see any functions. Suggestion. Prompting for user input usually makes a good function.

I thought it worked, but it actually doesn't.

Please be specific about what doesn't work.

It seemed to work for me with a few values I tried, except for 0.01
It seems to think a penny is a bill:

Bills Returned:                                 Pennies: 1
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