Coin Combination Problem

Using only pennies, nickels, dimes, and quarters, what is the smallest number of coins Freddie would need so he could pay any amount of money less than a dollar?

Note: 1 penny = 1 cent, 1 nickel = 5 cents, 1 dime = 10 cents, 1 quarter = 25 cents, 1 dollar = 100 cents

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