Making Change

For her birthday, I gave Elizabeth an educational game that teaches kids to make change. 

You want to buy an apple.  That's 5 cents.  Easy enough.

You want to buy an orange.  That's 10 cents.  Easy peasy. 

You want to buy a hat.  That's 37 cents. 

Elizabeth thinks for a moment, and then suggests, "I know.  There's an easier way to do this.  I'll give you a dollar, and then you give me change."