If he uses 1 quarter, he has 40 cent left to make.He can do that in two ways, by using 2 dimes andall four nickels, or all 3 dimes snd 2 nickels.That's 2 ways. If he uses both quarters, he has 15 cent left to make.He can do that in two ways by using 1 dime and 1 nickel,or no dimes and 3 nickels.That's 2 more ways. So there are four ways to make 65 cents.