In 1996, the World Finance Assembly, or WFA, convened in Luzern, Switzerland. The convention's purpose was to determine how exact change — in this case, $11.72 — might be derived from a five-dollar bill, four one-dollar bills, three quarters, two nickels, a dime, and eight pennies (in addition to various denominations of Euros and Japenese yen) in order to pay for two ballpoint pens, a medium-sized package of Doritos, a phone card, two packs of cigarettes, and a bottle of Coke.