money 3.6.1 → 3.6.2

data/lib/money/money.rb

@@ -1,1210 +1,387 @@
-# encoding: utf-8
-require 'money/bank/variable_exchange'
-
-# Represents an amount of money in a given currency.
-class Money
-  include Comparable
-
-  # The value of the money in cents.
-  #
-  # @return [Integer]
-  attr_reader :cents
-
-  # The currency the money is in.
-  #
-  # @return [Currency]
-  attr_reader :currency
-
-  # The +Money::Bank+ based object used to perform currency exchanges with.
-  #
-  # @return [Money::Bank::*]
-  attr_reader :bank
-
-  # Class Methods
-  class << self
-    # Each Money object is associated to a bank object, which is responsible
-    # for currency exchange. This property allows you to specify the default
-    # bank object. The default value for this property is an instance if
-    # +Bank::VariableExchange.+ It allows one to specify custom exchange rates.
-    #
-    # @return [Money::Bank::*]
-    attr_accessor :default_bank
-
-    # The default currency, which is used when +Money.new+ is called without an
-    # explicit currency argument. The default value is Currency.new("USD"). The
-    # value must be a valid +Money::Currency+ instance.
-    #
-    # @return [Money::Currency]
-    attr_accessor :default_currency
-  end
-
-  # Set the default bank for creating new +Money+ objects.
-  self.default_bank = Bank::VariableExchange.instance
-
-  # Set the default currency for creating new +Money+ object.
-  self.default_currency = Currency.new("USD")
-
-  # Create a new money object with value 0.
-  #
-  # @param [Currency, String, Symbol] currency The currency to use.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.empty #=> #<Money @cents=0>
-  def self.empty(currency = default_currency)
-    Money.new(0, currency)
-  end
-
-  # Creates a new Money object of the given value, using the Canadian
-  # dollar currency.
-  #
-  # @param [Integer] cents The cents value.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   n = Money.ca_dollar(100)
-  #   n.cents    #=> 100
-  #   n.currency #=> #<Money::Currency id: cad>
-  def self.ca_dollar(cents)
-    Money.new(cents, "CAD")
-  end
-
-  # Creates a new Money object of the given value, using the American dollar
-  # currency.
-  #
-  # @param [Integer] cents The cents value.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   n = Money.us_dollar(100)
-  #   n.cents    #=> 100
-  #   n.currency #=> #<Money::Currency id: usd>
-  def self.us_dollar(cents)
-    Money.new(cents, "USD")
-  end
-
-  # Creates a new Money object of the given value, using the Euro currency.
-  #
-  # @param [Integer] cents The cents value.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   n = Money.euro(100)
-  #   n.cents    #=> 100
-  #   n.currency #=> #<Money::Currency id: eur>
-  def self.euro(cents)
-    Money.new(cents, "EUR")
-  end
-
-
-  # Creates a new Money object of +amount+ value in dollars,
-  # with given +currency+.
-  #
-  # The amount value is expressed in +dollars+
-  # where the +dollar+ is the main monetary unit,
-  # opposite to the subunit-based representation
-  # used internally by this library called +cents+.
-  #
-  # @param [Numeric] amount The money amount, in dollars.
-  # @param [Currency, String, Symbol] currency The currency format.
-  # @param [Money::Bank::*] bank The exchange bank to use.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new_with_dollars(100)
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.new_with_dollars(100, "USD")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.new_with_dollars(100, "EUR")
-  #   #=> #<Money @cents=10000 @currency="EUR">
-  #
-  # @see Money.new
-  #
-  def self.new_with_dollars(amount, currency = Money.default_currency, bank = Money.default_bank)
-    money = from_numeric(amount, currency)
-    # Hack! You can't change a bank
-    money.instance_variable_set("@bank", bank)
-    money
-  end
-
-
-  # Parses the current string and converts it to a +Money+ object.
-  # Excess characters will be discarded.
-  #
-  # @param [String, #to_s] input The input to parse.
-  # @param [Currency, String, Symbol] currency The currency format.
-  #   The currency to set the resulting +Money+ object to.
-  #
-  # @return [Money]
-  #
-  # @raise [ArgumentError] If any +currency+ is supplied and
-  #   given value doesn't match the one extracted from
-  #   the +input+ string.
-  #
-  # @example
-  #   '100'.to_money                #=> #<Money @cents=10000>
-  #   '100.37'.to_money             #=> #<Money @cents=10037>
-  #   '100 USD'.to_money            #=> #<Money @cents=10000, @currency=#<Money::Currency id: usd>>
-  #   'USD 100'.to_money            #=> #<Money @cents=10000, @currency=#<Money::Currency id: usd>>
-  #   '$100 USD'.to_money           #=> #<Money @cents=10000, @currency=#<Money::Currency id: usd>>
-  #   'hello 2000 world'.to_money   #=> #<Money @cents=200000 @currency=#<Money::Currency id: usd>>
-  #
-  # @example Mismatching currencies
-  #   'USD 2000'.to_money("EUR")    #=> ArgumentError
-  #
-  # @see Money.from_string
-  #
-  def self.parse(input, currency = nil)
-    i = input.to_s
-
-    # Get the currency.
-    m = i.scan /([A-Z]{2,3})/
-    c = m[0] ? m[0][0] : nil
-
-    # check that currency passed and embedded currency are the same,
-    # and negotiate the final currency
-    if currency.nil? and c.nil?
-      currency = Money.default_currency
-    elsif currency.nil?
-      currency = c
-    elsif c.nil?
-      currency = currency
-    elsif currency != c
-      # TODO: ParseError
-      raise ArgumentError, "Mismatching Currencies"
-    end
-    currency = Money::Currency.wrap(currency)
-
-    cents = extract_cents(i, currency)
-    Money.new(cents, currency)
-  end
-
-  # Converts a String into a Money object treating the +value+
-  # as dollars and converting them to the corresponding cents value,
-  # according to +currency+ subunit property,
-  # before instantiating the Money object.
-  #
-  # Behind the scenes, this method relies on {Money.from_bigdecimal}
-  # to avoid problems with string-to-numeric conversion.
-  #
-  # @param [String, #to_s] value The money amount, in dollars.
-  # @param [Currency, String, Symbol] currency
-  #   The currency to set the resulting +Money+ object to.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.from_string("100")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_string("100", "USD")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_string("100", "EUR")
-  #   #=> #<Money @cents=10000 @currency="EUR">
-  #   Money.from_string("100", "BHD")
-  #   #=> #<Money @cents=100 @currency="BHD">
-  #
-  # @see String#to_money
-  # @see Money.parse
-  #
-  def self.from_string(value, currency = Money.default_currency)
-    from_bigdecimal(BigDecimal.new(value.to_s), currency)
-  end
-
-  # Converts a Fixnum into a Money object treating the +value+
-  # as dollars and converting them to the corresponding cents value,
-  # according to +currency+ subunit property,
-  # before instantiating the Money object.
-  #
-  # @param [Fixnum] value The money amount, in dollars.
-  # @param [Currency, String, Symbol] currency The currency format.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.from_fixnum(100)
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_fixnum(100, "USD")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_fixnum(100, "EUR")
-  #   #=> #<Money @cents=10000 @currency="EUR">
-  #   Money.from_fixnum(100, "BHD")
-  #   #=> #<Money @cents=100 @currency="BHD">
-  #
-  # @see Fixnum#to_money
-  # @see Money.from_numeric
-  #
-  def self.from_fixnum(value, currency = Money.default_currency)
-    currency = Money::Currency.wrap(currency)
-    amount   = value * currency.subunit_to_unit
-    Money.new(amount, currency)
-  end
-
-  # Converts a Float into a Money object treating the +value+
-  # as dollars and converting them to the corresponding cents value,
-  # according to +currency+ subunit property,
-  # before instantiating the Money object.
-  #
-  # Behind the scenes, this method relies on Money.from_bigdecimal
-  # to avoid problems with floating point precision.
-  #
-  # @param [Float] value The money amount, in dollars.
-  # @param [Currency, String, Symbol] currency The currency format.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.from_float(100.0)
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_float(100.0, "USD")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_float(100.0, "EUR")
-  #   #=> #<Money @cents=10000 @currency="EUR">
-  #   Money.from_float(100.0, "BHD")
-  #   #=> #<Money @cents=100 @currency="BHD">
-  #
-  # @see Float#to_money
-  # @see Money.from_numeric
-  #
-  def self.from_float(value, currency = Money.default_currency)
-    from_bigdecimal(BigDecimal.new(value.to_s), currency)
-  end
-
-  # Converts a BigDecimal into a Money object treating the +value+
-  # as dollars and converting them to the corresponding cents value,
-  # according to +currency+ subunit property,
-  # before instantiating the Money object.
-  #
-  # @param [BigDecimal] value The money amount, in dollars.
-  # @param [Currency, String, Symbol] currency The currency format.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.from_bigdecimal(BigDecimal.new("100")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_bigdecimal(BigDecimal.new("100", "USD")
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_bigdecimal(BigDecimal.new("100", "EUR")
-  #   #=> #<Money @cents=10000 @currency="EUR">
-  #   Money.from_bigdecimal(BigDecimal.new("100", "BHD")
-  #   #=> #<Money @cents=100 @currency="BHD">
-  #
-  # @see BigDecimal#to_money
-  # @see Money.from_numeric
-  #
-  def self.from_bigdecimal(value, currency = Money.default_currency)
-    currency = Money::Currency.wrap(currency)
-    amount   = value * currency.subunit_to_unit
-    Money.new(amount.fix, currency)
-  end
-
-  # Converts a Numeric value into a Money object treating the +value+
-  # as dollars and converting them to the corresponding cents value,
-  # according to +currency+ subunit property,
-  # before instantiating the Money object.
-  #
-  # This method relies on various +Money.from_*+ methods
-  # and tries to forwards the call to the most appropriate method
-  # in order to reduce computation effort.
-  # For instance, if +value+ is an Integer, this method calls
-  # {Money.from_fixnum} instead of using the default
-  # {Money.from_bigdecimal} which adds the overload to converts
-  # the value into a slower BigDecimal instance.
-  #
-  # @param [Numeric] value The money amount, in dollars.
-  # @param [Currency, String, Symbol] currency The currency format.
-  #
-  # @return [Money]
-  #
-  # @raise +ArgumentError+ Unless +value+ is a supported type.
-  #
-  # @example
-  #   Money.from_numeric(100)
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_numeric(100.00)
-  #   #=> #<Money @cents=10000 @currency="USD">
-  #   Money.from_numeric("100")
-  #   #=> ArgumentError
-  #
-  # @see Numeric#to_money
-  # @see Money.from_fixnum
-  # @see Money.from_float
-  # @see Money.from_bigdecimal
-  #
-  def self.from_numeric(value, currency = Money.default_currency)
-    case value
-      when Fixnum
-        from_fixnum(value, currency)
-      when Numeric
-        from_bigdecimal(BigDecimal.new(value.to_s), currency)
-      else
-        raise ArgumentError, "`value' should be a Numeric object"
-    end
-  end
-
-
-  # Adds a new exchange rate to the default bank and return the rate.
-  #
-  # @param [Currency, String, Symbol] from_currency Currency to exchange from.
-  # @param [Currency, String, Symbol] to_currency Currency to exchange to.
-  # @param [Numeric] rate Rate to exchange with.
-  #
-  # @return [Numeric]
-  #
-  # @example
-  #   Money.add_rate("USD", "CAD", 1.25) #=> 1.25
-  def self.add_rate(from_currency, to_currency, rate)
-    Money.default_bank.add_rate(from_currency, to_currency, rate)
-  end
-
-
-  # Creates a new Money object of +cents+ value in cents,
-  # with given +currency+.
-  #
-  # Alternatively you can use the convenience
-  # methods like {Money.ca_dollar} and {Money.us_dollar}.
-  #
-  # @param [Integer] cents The money amount, in cents.
-  # @param [Currency, String, Symbol] currency The currency format.
-  # @param [Money::Bank::*] bank The exchange bank to use.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(100)
-  #   #=> #<Money @cents=100 @currency="USD">
-  #   Money.new(100, "USD")
-  #   #=> #<Money @cents=100 @currency="USD">
-  #   Money.new(100, "EUR")
-  #   #=> #<Money @cents=100 @currency="EUR">
-  #
-  # @see Money.new_with_dollars
-  #
-  def initialize(cents, currency = Money.default_currency, bank = Money.default_bank)
-    @cents = cents.round.to_i
-    @currency = Currency.wrap(currency)
-    @bank = bank
-  end
-
-  # Returns the value of the money in dollars,
-  # instead of in cents.
-  #
-  # @return [Float]
-  #
-  # @example
-  #   Money.new(100).dollars           # => 1.0
-  #   Money.new_with_dollars(1).dollar # => 1.0
-  #
-  # @see #to_f
-  # @see #cents
-  #
-  def dollars
-    to_f
-  end
-
-  # Return string representation of currency object
-  #
-  # @return [String]
-  #
-  # @example
-  #   Money.new(100, :USD).currency_as_string #=> "USD"
-  def currency_as_string
-    self.currency.to_s
-  end
-
-  # Set currency object using a string
-  #
-  # @param [String] val The currency string.
-  #
-  # @return [Money::Currency]
-  #
-  # @example
-  #   Money.new(100).currency_as_string("CAD") #=> #<Money::Currency id: cad>
-  def currency_as_string=(val)
-    @currency = Currency.wrap(val)
-  end
-
-  # Checks whether two money objects have the same currency and the same
-  # amount. Checks against money objects with a different currency and checks
-  # against objects that do not respond to #to_money will always return false.
-  #
-  # @param [Money] other_money Value to compare with.
-  #
-  # @return [Boolean]
-  #
-  # @example
-  #   Money.new(100) == Money.new(101) #=> false
-  #   Money.new(100) == Money.new(100) #=> true
-  def ==(other_money)
-    if other_money.respond_to?(:to_money)
-      other_money = other_money.to_money
-      cents == other_money.cents && self.currency == other_money.currency
-    else
-      false
-    end
-  end
-
-  # Synonymous with +#==+.
-  #
-  # @param [Money] other_money Value to compare with.
-  #
-  # @return [Money]
-  #
-  # @see #==
-  def eql?(other_money)
-    self == other_money
-  end
-
-  # Returns a Fixnum hash value based on the +cents+ and +currency+ attributes
-  # in order to use functions like & (intersection), group_by, etc.
-  #
-  # @return [Fixnum]
-  #
-  # @example
-  #   Money.new(100).hash #=> 908351
-  def hash
-    [cents.hash, currency.hash].hash
-  end
-
-  # Compares this money object against another object. +other_money+ must
-  # respond to #to_money. Returns -1 when less than, 0 when equal and 1 when
-  # greater than.
-  #
-  # If +other_money+ is a different currency, then +other_money+ will first be
-  # converted into this money object's currency by calling +#exchange+ on
-  # +other_money+.
-  #
-  # Comparisons against objects that do not respond to #to_money will cause an
-  # +ArgumentError+ to be raised.
-  #
-  # @param [Money, #to_money] other_money Value to compare with.
-  #
-  # @return [-1, 0, 1]
-  #
-  # @raise [ArgumentError]
-  #
-  # @example
-  #   Money.new(100) <=> 99             #=>  1
-  #   Money.new(100) <=> Money.new(100) #=>  0
-  #   Money.new(100) <=> "$101.00"      #=> -1
-  def <=>(other_money)
-    if other_money.respond_to?(:to_money)
-      other_money = other_money.to_money
-      if self.currency == other_money.currency
-        cents <=> other_money.cents
-      else
-        cents <=> other_money.exchange_to(currency).cents
-      end
-    else
-      raise ArgumentError, "Comparison of #{self.class} with #{other_money.inspect} failed"
-    end
-  end
-
-  # Returns a new Money object containing the sum of the two operands' monetary
-  # values. If +other_money+ has a different currency then its monetary value
-  # is automatically exchanged to this object's currency using +exchange_to+.
-  #
-  # @param [Money] other_money Other +Money+ object to add.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(100) + Money.new(100) #=> #<Money @cents=200>
-  def +(other_money)
-    if currency == other_money.currency
-      Money.new(cents + other_money.cents, other_money.currency)
-    else
-      Money.new(cents + other_money.exchange_to(currency).cents, currency)
-    end
-  end
-
-  # Returns a new Money object containing the difference between the two
-  # operands' monetary values. If +other_money+ has a different currency then
-  # its monetary value is automatically exchanged to this object's currency
-  # using +exchange_to+.
-  #
-  # @param [Money] other_money Other +Money+ object to subtract.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(100) - Money.new(99) #=> #<Money @cents=1>
-  def -(other_money)
-    if currency == other_money.currency
-      Money.new(cents - other_money.cents, other_money.currency)
-    else
-      Money.new(cents - other_money.exchange_to(currency).cents, currency)
-    end
-  end
-
-  # Multiplies the monetary value with the given number and returns a new
-  # +Money+ object with this monetary value and the same currency.
-  #
-  # Note that you can't multiply a Money object by an other +Money+ object.
-  #
-  # @param [Numeric] value Number to multiply by.
-  #
-  # @return [Money] The resulting money.
-  #
-  # @raise [ArgumentError] If +value+ is a Money instance.
-  #
-  # @example
-  #   Money.new(100) * 2 #=> #<Money @cents=200>
-  #
-  def *(value)
-    if value.is_a?(Money)
-      raise ArgumentError, "Can't multiply a Money by a Money"
-    else
-      Money.new(cents * value, currency)
-    end
-  end
-
-  # Divides the monetary value with the given number and returns a new +Money+
-  # object with this monetary value and the same currency.
-  # Can also divide by another +Money+ object to get a ratio.
-  #
-  # +Money/Numeric+ returns +Money+. +Money/Money+ returns +Float+.
-  #
-  # @param [Money, Numeric] value Number to divide by.
-  #
-  # @return [Money] The resulting money if you divide Money by a number.
-  # @return [Float] The resulting number if you divide Money by a Money.
-  #
-  # @example
-  #   Money.new(100) / 10            #=> #<Money @cents=10>
-  #   Money.new(100) / Money.new(10) #=> 10.0
-  #
-  def /(value)
-    if value.is_a?(Money)
-      if currency == value.currency
-        (cents / BigDecimal.new(value.cents.to_s)).to_f
-      else
-        (cents / BigDecimal(value.exchange_to(currency).cents.to_s)).to_f
-      end
-    else
-      Money.new(cents / value, currency)
-    end
-  end
-
-  # Synonym for +#/+.
-  #
-  # @param [Money, Numeric] value Number to divide by.
-  #
-  # @return [Money] The resulting money if you divide Money by a number.
-  # @return [Float] The resulting number if you divide Money by a Money.
-  #
-  # @see #/
-  #
-  def div(value)
-    self / value
-  end
-
-  # Divide money by money or fixnum and return array containing quotient and
-  # modulus.
-  #
-  # @param [Money, Fixnum] val Number to divmod by.
-  #
-  # @return [Array<Money,Money>,Array<Fixnum,Money>]
-  #
-  # @example
-  #   Money.new(100).divmod(9)            #=> [#<Money @cents=11>, #<Money @cents=1>]
-  #   Money.new(100).divmod(Money.new(9)) #=> [11, #<Money @cents=1>]
-  def divmod(val)
-    if val.is_a?(Money)
-      a = self.cents
-      b = self.currency == val.currency ? val.cents : val.exchange_to(self.currency).cents
-      q, m = a.divmod(b)
-      return [q, Money.new(m, self.currency)]
-    else
-      return [self.div(val), Money.new(self.cents.modulo(val), self.currency)]
-    end
-  end
-
-  # Equivalent to +self.divmod(val)[1]+
-  #
-  # @param [Money, Fixnum] val Number take modulo with.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(100).modulo(9)            #=> #<Money @cents=1>
-  #   Money.new(100).modulo(Money.new(9)) #=> #<Money @cents=1>
-  def modulo(val)
-    self.divmod(val)[1]
-  end
-
-  # Synonym for +#modulo+.
-  #
-  # @param [Money, Fixnum] val Number take modulo with.
-  #
-  # @return [Money]
-  #
-  # @see #modulo
-  def %(val)
-    self.modulo(val)
-  end
-
-  # If different signs +self.modulo(val) - val+ otherwise +self.modulo(val)+
-  #
-  # @param [Money, Fixnum] val Number to rake remainder with.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(100).remainder(9) #=> #<Money @cents=1>
-  def remainder(val)
-    a, b = self, val
-    b = b.exchange_to(a.currency) if b.is_a?(Money) and a.currency != b.currency
-
-    a_sign, b_sign = :pos, :pos
-    a_sign = :neg if a.cents < 0
-    b_sign = :neg if (b.is_a?(Money) and b.cents < 0) or (b < 0)
-
-    return a.modulo(b) if a_sign == b_sign
-    a.modulo(b) - (b.is_a?(Money) ? b : Money.new(b, a.currency))
-  end
-
-  # Return absolute value of self as a new Money object.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(-100).abs #=> #<Money @cents=100>
-  def abs
-    Money.new(self.cents.abs, self.currency)
-  end
-
-  # Test if the money amount is zero.
-  #
-  # @return [Boolean]
-  #
-  # @example
-  #   Money.new(100).zero? #=> false
-  #   Money.new(0).zero?   #=> true
-  def zero?
-    cents == 0
-  end
-
-  # Test if the money amount is non-zero. Returns this money object if it is
-  # non-zero, or nil otherwise, like +Numeric#nonzero?+.
-  #
-  # @return [Money, nil]
-  #
-  # @example
-  #   Money.new(100).nonzero? #=> #<Money @cents=100>
-  #   Money.new(0).nonzero?   #=> nil
-  def nonzero?
-    cents != 0 ? self : nil
-  end
-
-  # Uses +Currency#symbol+. If +nil+ is returned, defaults to "¤".
-  #
-  # @return [String]
-  #
-  # @example
-  #   Money.new(100, "USD").symbol #=> "$"
-  def symbol
-    currency.symbol || "¤"
-  end
-
-  # If I18n is loaded, looks up key +:number.format.delimiter+.
-  # Otherwise and as fallback it uses +Currency#thousands_separator+.
-  # If +nil+ is returned, default to ",".
-  #
-  # @return [String]
-  #
-  # @example
-  #   Money.new(100, "USD").thousands_separator #=> ","
-  if Object.const_defined?("I18n")
-    def thousands_separator
-      I18n.t(:"number.format.thousands_separator", :default => currency.thousands_separator || ",")
-    end
-  else
-    def thousands_separator
-      currency.thousands_separator || ","
-    end
-  end
-  alias :delimiter :thousands_separator
-
-  # If I18n is loaded, looks up key +:number.format.seperator+.
-  # Otherwise and as fallback it uses +Currency#seperator+.
-  # If +nil+ is returned, default to ",".
-  #
-  # @return [String]
-  #
-  # @example
-  #   Money.new(100, "USD").decimal_mark #=> "."
-  if Object.const_defined?("I18n")
-    def decimal_mark
-      I18n.t(:"number.format.decimal_mark", :default => currency.decimal_mark || ".")
-    end
-  else
-    def decimal_mark
-      currency.decimal_mark || "."
-    end
-  end
-  alias :separator :decimal_mark
-
-  # Creates a formatted price string according to several rules.
-  #
-  # @param [Hash] *rules The options used to format the string.
-  #
-  # @return [String]
-  #
-  # @option *rules [Boolean, String] :display_free (false) Whether a zero
-  #  amount of money should be formatted of "free" or as the supplied string.
-  #
-  # @example
-  #   Money.us_dollar(0).format(:display_free => true)     #=> "free"
-  #   Money.us_dollar(0).format(:display_free => "gratis") #=> "gratis"
-  #   Money.us_dollar(0).format                            #=> "$0.00"
-  #
-  # @option *rules [Boolean] :with_currency (false) Whether the currency name
-  #  should be appended to the result string.
-  #
-  # @example
-  #   Money.ca_dollar(100).format => "$1.00"
-  #   Money.ca_dollar(100).format(:with_currency => true) #=> "$1.00 CAD"
-  #   Money.us_dollar(85).format(:with_currency => true)  #=> "$0.85 USD"
-  #
-  # @option *rules [Boolean] :no_cents (false) Whether cents should be omitted.
-  #
-  # @example
-  #   Money.ca_dollar(100).format(:no_cents => true) #=> "$1"
-  #   Money.ca_dollar(599).format(:no_cents => true) #=> "$5"
-  #
-  # @option *rules [Boolean, String, nil] :symbol (true) Whether a money symbol
-  #  should be prepended to the result string. The default is true. This method
-  #  attempts to pick a symbol that's suitable for the given currency.
-  #
-  # @example
-  #   Money.new(100, "USD") #=> "$1.00"
-  #   Money.new(100, "GBP") #=> "£1.00"
-  #   Money.new(100, "EUR") #=> "€1.00"
-  #
-  #   # Same thing.
-  #   Money.new(100, "USD").format(:symbol => true) #=> "$1.00"
-  #   Money.new(100, "GBP").format(:symbol => true) #=> "£1.00"
-  #   Money.new(100, "EUR").format(:symbol => true) #=> "€1.00"
-  #
-  #   # You can specify a false expression or an empty string to disable
-  #   # prepending a money symbol.
-  #   Money.new(100, "USD").format(:symbol => false) #=> "1.00"
-  #   Money.new(100, "GBP").format(:symbol => nil)   #=> "1.00"
-  #   Money.new(100, "EUR").format(:symbol => "")    #=> "1.00"
-  #
-  #   # If the symbol for the given currency isn't known, then it will default
-  #   # to "¤" as symbol.
-  #   Money.new(100, "AWG").format(:symbol => true) #=> "¤1.00"
-  #
-  #   # You can specify a string as value to enforce using a particular symbol.
-  #   Money.new(100, "AWG").format(:symbol => "ƒ") #=> "ƒ1.00"
-  #
-  # @option *rules [Boolean, String, nil] :decimal_mark (true) Whether the
-  #  currency should be separated by the specified character or '.'
-  #
-  # @example
-  #   # If a string is specified, it's value is used.
-  #   Money.new(100, "USD").format(:decimal_mark => ",") #=> "$1,00"
-  #
-  #   # If the decimal_mark for a given currency isn't known, then it will default
-  #   # to "." as decimal_mark.
-  #   Money.new(100, "FOO").format #=> "$1.00"
-  #
-  # @option *rules [Boolean, String, nil] :thousands_separator (true) Whether
-  #  the currency should be delimited by the specified character or ','
-  #
-  # @example
-  #   # If false is specified, no thousands_separator is used.
-  #   Money.new(100000, "USD").format(:thousands_separator => false) #=> "1000.00"
-  #   Money.new(100000, "USD").format(:thousands_separator => nil)   #=> "1000.00"
-  #   Money.new(100000, "USD").format(:thousands_separator => "")    #=> "1000.00"
-  #
-  #   # If a string is specified, it's value is used.
-  #   Money.new(100000, "USD").format(:thousands_separator => ".") #=> "$1.000.00"
-  #
-  #   # If the thousands_separator for a given currency isn't known, then it will
-  #   # default to "," as thousands_separator.
-  #   Money.new(100000, "FOO").format #=> "$1,000.00"
-  #
-  # @option *rules [Boolean] :html (false) Whether the currency should be
-  #  HTML-formatted. Only useful in combination with +:with_currency+.
-  #
-  # @example
-  #   s = Money.ca_dollar(570).format(:html => true, :with_currency => true)
-  #   s #=>  "$5.70 <span class=\"currency\">CAD</span>"
-  def format(*rules)
-    # support for old format parameters
-    rules = normalize_formatting_rules(rules)
-
-    if cents == 0
-      if rules[:display_free].respond_to?(:to_str)
-        return rules[:display_free]
-      elsif rules[:display_free]
-        return "free"
-      end
-    end
-
-    symbol_value =
-      if rules.has_key?(:symbol)
-        if rules[:symbol] === true
-          symbol
-        elsif rules[:symbol]
-          rules[:symbol]
-        else
-          ""
-        end
-      elsif rules[:html]
-       currency.html_entity
-      else
-       symbol
-      end
-
-    formatted = case rules[:no_cents]
-                when true
-                  "#{self.to_s.to_i}"
-                else
-                  "#{self.to_s}"
-                end
-
-    symbol_position =
-      if rules.has_key?(:symbol_position)
-        rules[:symbol_position]
-      elsif currency.symbol_first?
-        :before
-      else
-        :after
-      end
-
-    if symbol_value && !symbol_value.empty?
-      formatted = (symbol_position == :before ? "#{symbol_value}#{formatted}" : "#{formatted} #{symbol_value}")
-    end
-
-    if rules.has_key?(:decimal_mark) and rules[:decimal_mark] and
-      rules[:decimal_mark] != decimal_mark
-      formatted.sub!(decimal_mark, rules[:decimal_mark])
-    end
-
-    thousands_separator_value = thousands_separator
-    # Determine thousands_separator
-    if rules.has_key?(:thousands_separator)
-      if rules[:thousands_separator] === false or rules[:thousands_separator].nil?
-        thousands_separator_value = ""
-      elsif rules[:thousands_separator]
-        thousands_separator_value = rules[:thousands_separator]
-      end
-    end
-
-    # Apply thousands_separator
-    formatted.gsub!(/(\d)(?=(?:\d{3})+(?:[^\d]|$))/, "\\1#{thousands_separator_value}")
-
-    if rules[:with_currency]
-      formatted << " "
-      formatted << '<span class="currency">' if rules[:html]
-      formatted << currency.to_s
-      formatted << '</span>' if rules[:html]
-    end
-    formatted
-  end
-
-  # Returns the amount of money as a string.
-  #
-  # @return [String]
-  #
-  # @example
-  #   Money.ca_dollar(100).to_s #=> "1.00"
-  def to_s
-    unit, subunit  = cents.abs.divmod(currency.subunit_to_unit).map{|o| o.to_s}
-    if currency.decimal_places == 0
-      return "-#{unit}" if cents < 0
-      return unit
-    end
-    subunit = (("0" * currency.decimal_places) + subunit)[(-1*currency.decimal_places)..-1]
-    return "-#{unit}#{decimal_mark}#{subunit}" if cents < 0
-    "#{unit}#{decimal_mark}#{subunit}"
-  end
-
-  # Return the amount of money as a float. Floating points cannot guarantee
-  # precision. Therefore, this function should only be used when you no longer
-  # need to represent currency or working with another system that requires
-  # decimals.
-  #
-  # @return [Float]
-  #
-  # @example
-  #   Money.us_dollar(100).to_f => 1.0
-  def to_f
-    (BigDecimal.new(cents.to_s) / currency.subunit_to_unit).to_f
-  end
-
-  # Receive the amount of this money object in another Currency.
-  #
-  # @param [Currency, String, Symbol] other_currency Currency to exchange to.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   Money.new(2000, "USD").exchange_to("EUR")
-  #   Money.new(2000, "USD").exchange_to(Currency.new("EUR"))
-  def exchange_to(other_currency)
-    other_currency = Currency.wrap(other_currency)
-    @bank.exchange_with(self, other_currency)
-  end
-
-  # Receive a money object with the same amount as the current Money object
-  # in american dollars.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   n = Money.new(100, "CAD").as_us_dollar
-  #   n.currency #=> #<Money::Currency id: usd>
-  def as_us_dollar
-    exchange_to("USD")
-  end
-
-  # Receive a money object with the same amount as the current Money object
-  # in canadian dollar.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   n = Money.new(100, "USD").as_ca_dollar
-  #   n.currency #=> #<Money::Currency id: cad>
-  def as_ca_dollar
-    exchange_to("CAD")
-  end
-
-  # Receive a money object with the same amount as the current Money object
-  # in euro.
-  #
-  # @return [Money]
-  #
-  # @example
-  #   n = Money.new(100, "USD").as_euro
-  #   n.currency #=> #<Money::Currency id: eur>
-  def as_euro
-    exchange_to("EUR")
-  end
-
-  # Conversation to +self+.
-  #
-  # @return [self]
-  def to_money
-    self
-  end
-
-  # Common inspect function
-  #
-  # @return [String]
-  def inspect
-    "#<Money cents:#{cents} currency:#{currency}>"
-  end
-
-  # Allocates money between different parties without loosing pennies.
-  # After the mathmatically split has been performed, left over pennies will
-  # be distributed round-robin amongst the parties. This means that parties
-  # listed first will likely recieve more pennies then ones that are listed later
-  #
-  # @param [0.50, 0.25, 0.25] to give 50% of the cash to party1, 25% ot party2, and 25% to party3.
-  #
-  # @return [Array<Money, Money, Money>]
-  #
-  # @example
-  #   Money.new(5, "USD").allocate([0.3,0.7)) #=> [Money.new(2), Money.new(3)]
-  #   Money.new(100, "USD").allocate([0.33,0.33,0.33]) #=> [Money.new(34), Money.new(33), Money.new(33)]
-  def allocate(splits)
-    allocations = splits.inject(0.0) {|sum, i| sum += i }
-    raise ArgumentError, "splits add to more then 100%" if (allocations - 1.0) > Float::EPSILON
-
-    left_over = cents
-
-    amounts = splits.collect do |ratio|
-      fraction = (cents * ratio / allocations).floor
-      left_over -= fraction
-      fraction
-    end
-
-    left_over.times { |i| amounts[i % amounts.length] += 1 }
-
-    return amounts.collect { |cents| Money.new(cents, currency) }
-  end
-
-  # Split money amongst parties evenly without loosing pennies.
-  #
-  # @param [2] number of parties.
-  #
-  # @return [Array<Money, Money, Money>]
-  #
-  # @example
-  #   Money.new(100, "USD").split(3) #=> [Money.new(34), Money.new(33), Money.new(33)]
-  def split(num)
-    raise ArgumentError, "need at least one party" if num < 1
-    low = Money.new(cents / num)
-    high = Money.new(low.cents + 1)
-
-    remainder = cents % num
-    result = []
-
-    num.times do |index|
-      result[index] = index < remainder ? high : low
-    end
-
-    return result
-  end
-
-  private
-
-  # Cleans up formatting rules.
-  #
-  # @param [Hash]
-  #
-  # @return [Hash]
-  def normalize_formatting_rules(rules)
-    if rules.size == 0
-      rules = {}
-    elsif rules.size == 1
-      rules = rules.pop
-      rules = { rules => true } if rules.is_a?(Symbol)
-    end
-    if not rules.include?(:decimal_mark) and rules.include?(:separator)
-      rules[:decimal_mark] = rules[:separator]
-    end
-    if not rules.include?(:thousands_separator) and rules.include?(:delimiter)
-      rules[:thousands_separator] = rules[:delimiter]
-    end
-    rules
-  end
-
-  # Takes a number string and attempts to massage out the number.
-  #
-  # @param [String] input The string containing a potential number.
-  #
-  # @return [Integer]
-  #
-  def self.extract_cents(input, currency = Money.default_currency)
-    # remove anything that's not a number, potential thousands_separator, or minus sign
-    num = input.gsub(/[^\d|\.|,|\'|\-]/, '').strip
-
-    # set a boolean flag for if the number is negative or not
-    negative = num.split(//).first == "-"
-
-    # if negative, remove the minus sign from the number
-    # if it's not negative, the hyphen makes the value invalid
-    if negative
-      num = num.gsub(/^-/, '')
-    else
-      raise ArgumentError, "Invalid currency amount (hyphen)" if num.include?('-')
-    end
-
-    #if the number ends with punctuation, just throw it out.  If it means decimal,
-    #it won't hurt anything.  If it means a literal period or comma, this will
-    #save it from being mis-interpreted as a decimal.
-    num.chop! if num.match /[\.|,]$/
-
-    # gather all decimal_marks within the result number
-    used_decimal_marks = num.scan /[^\d]/
-
-    # determine the number of unique decimal_marks within the number
-    #
-    # e.g.
-    # $1,234,567.89 would return 2 (, and .)
-    # $125,00 would return 1
-    # $199 would return 0
-    # $1 234,567.89 would raise an error (decimal_marks are space, comma, and period)
-    case used_decimal_marks.uniq.length
-    # no decimal_mark or thousands_separator; major (dollars) is the number, and minor (cents) is 0
-    when 0 then major, minor = num, 0
-
-    # two decimal_marks, so we know the last item in this array is the
-    # major/minor thousands_separator and the rest are decimal_marks
-    when 2
-      decimal_mark, thousands_separator = used_decimal_marks.uniq
-      # remove all decimal_marks, split on the thousands_separator
-      major, minor = num.gsub(decimal_mark, '').split(thousands_separator)
-      min = 0 unless min
-    when 1
-      # we can't determine if the comma or period is supposed to be a decimal_mark or a thousands_separator
-      # e.g.
-      # 1,00 - comma is a thousands_separator
-      # 1.000 - period is a thousands_separator
-      # 1,000 - comma is a decimal_mark
-      # 1,000,000 - comma is a decimal_mark
-      # 10000,00 - comma is a thousands_separator
-      # 1000,000 - comma is a thousands_separator
-
-      # assign first decimal_mark for reusability
-      decimal_mark = used_decimal_marks.first
-
-      # decimal_mark is used as a decimal_mark when there are multiple instances, always
-      if num.scan(decimal_mark).length > 1 # multiple matches; treat as decimal_mark
-        major, minor = num.gsub(decimal_mark, ''), 0
-      else
-        # ex: 1,000 - 1.0000 - 10001.000
-        # split number into possible major (dollars) and minor (cents) values
-        possible_major, possible_minor = num.split(decimal_mark)
-        possible_major ||= "0"
-        possible_minor ||= "00"
-
-        # if the minor (cents) length isn't 3, assign major/minor from the possibles
-        # e.g.
-        #   1,00 => 1.00
-        #   1.0000 => 1.00
-        #   1.2 => 1.20
-        if possible_minor.length != 3 # thousands_separator
-          major, minor = possible_major, possible_minor
-        else
-          # minor length is three
-          # let's try to figure out intent of the thousands_separator
-
-          # the major length is greater than three, which means
-          # the comma or period is used as a thousands_separator
-          # e.g.
-          #   1000,000
-          #   100000,000
-          if possible_major.length > 3
-            major, minor = possible_major, possible_minor
-          else
-            # number is in format ###{sep}### or ##{sep}### or #{sep}###
-            # handle as , is sep, . is thousands_separator
-            if decimal_mark == '.'
-              major, minor = possible_major, possible_minor
-            else
-              major, minor = "#{possible_major}#{possible_minor}", 0
-            end
-          end
-        end
-      end
-    else
-      # TODO: ParseError
-      raise ArgumentError, "Invalid currency amount"
-    end
-
-    # build the string based on major/minor since decimal_mark/thousands_separator have been removed
-    # avoiding floating point arithmetic here to ensure accuracy
-    cents = (major.to_i * currency.subunit_to_unit)
-    # Because of an bug in JRuby, we can't just call #floor
-    minor = minor.to_s
-    minor = if minor.size < currency.decimal_places
-              (minor + ("0" * currency.decimal_places))[0,currency.decimal_places].to_i
-            elsif minor.size > currency.decimal_places
-              if minor[currency.decimal_places,1].to_i >= 5
-                minor[0,currency.decimal_places].to_i+1
-              else
-                minor[0,currency.decimal_places].to_i
-              end
-            else
-              minor.to_i
-            end
-    cents += minor
-
-    # if negative, multiply by -1; otherwise, return positive cents
-    negative ? cents * -1 : cents
-  end
-
-end
+# encoding: utf-8
+require 'money/bank/variable_exchange'
+require 'money/money/arithmetic'
+require 'money/money/parsing'
+require 'money/money/formatting'
+
+# Represents an amount of money in a given currency.
+class Money
+  include Comparable
+  include Arithmetic
+  include Formatting
+  include Parsing
+
+  # The value of the money in cents.
+  #
+  # @return [Integer]
+  attr_reader :cents
+
+  # The currency the money is in.
+  #
+  # @return [Currency]
+  attr_reader :currency
+
+  # The +Money::Bank+ based object used to perform currency exchanges with.
+  #
+  # @return [Money::Bank::*]
+  attr_reader :bank
+
+  # Class Methods
+  class << self
+    # Each Money object is associated to a bank object, which is responsible
+    # for currency exchange. This property allows you to specify the default
+    # bank object. The default value for this property is an instance if
+    # +Bank::VariableExchange.+ It allows one to specify custom exchange rates.
+    #
+    # @return [Money::Bank::*]
+    attr_accessor :default_bank
+
+    # The default currency, which is used when +Money.new+ is called without an
+    # explicit currency argument. The default value is Currency.new("USD"). The
+    # value must be a valid +Money::Currency+ instance.
+    #
+    # @return [Money::Currency]
+    attr_accessor :default_currency
+  end
+
+  # Set the default bank for creating new +Money+ objects.
+  self.default_bank = Bank::VariableExchange.instance
+
+  # Set the default currency for creating new +Money+ object.
+  self.default_currency = Currency.new("USD")
+
+  # Create a new money object with value 0.
+  #
+  # @param [Currency, String, Symbol] currency The currency to use.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   Money.empty #=> #<Money @cents=0>
+  def self.empty(currency = default_currency)
+    Money.new(0, currency)
+  end
+
+  # Creates a new Money object of the given value, using the Canadian
+  # dollar currency.
+  #
+  # @param [Integer] cents The cents value.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   n = Money.ca_dollar(100)
+  #   n.cents    #=> 100
+  #   n.currency #=> #<Money::Currency id: cad>
+  def self.ca_dollar(cents)
+    Money.new(cents, "CAD")
+  end
+
+  # Creates a new Money object of the given value, using the American dollar
+  # currency.
+  #
+  # @param [Integer] cents The cents value.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   n = Money.us_dollar(100)
+  #   n.cents    #=> 100
+  #   n.currency #=> #<Money::Currency id: usd>
+  def self.us_dollar(cents)
+    Money.new(cents, "USD")
+  end
+
+  # Creates a new Money object of the given value, using the Euro currency.
+  #
+  # @param [Integer] cents The cents value.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   n = Money.euro(100)
+  #   n.cents    #=> 100
+  #   n.currency #=> #<Money::Currency id: eur>
+  def self.euro(cents)
+    Money.new(cents, "EUR")
+  end
+
+
+  # Creates a new Money object of +amount+ value in dollars,
+  # with given +currency+.
+  #
+  # The amount value is expressed in +dollars+
+  # where the +dollar+ is the main monetary unit,
+  # opposite to the subunit-based representation
+  # used internally by this library called +cents+.
+  #
+  # @param [Numeric] amount The money amount, in dollars.
+  # @param [Currency, String, Symbol] currency The currency format.
+  # @param [Money::Bank::*] bank The exchange bank to use.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   Money.new_with_dollars(100)
+  #   #=> #<Money @cents=10000 @currency="USD">
+  #   Money.new_with_dollars(100, "USD")
+  #   #=> #<Money @cents=10000 @currency="USD">
+  #   Money.new_with_dollars(100, "EUR")
+  #   #=> #<Money @cents=10000 @currency="EUR">
+  #
+  # @see Money.new
+  #
+  def self.new_with_dollars(amount, currency = Money.default_currency, bank = Money.default_bank)
+    money = from_numeric(amount, currency)
+    # Hack! You can't change a bank
+    money.instance_variable_set("@bank", bank)
+    money
+  end
+  # Adds a new exchange rate to the default bank and return the rate.
+  #
+  # @param [Currency, String, Symbol] from_currency Currency to exchange from.
+  # @param [Currency, String, Symbol] to_currency Currency to exchange to.
+  # @param [Numeric] rate Rate to exchange with.
+  #
+  # @return [Numeric]
+  #
+  # @example
+  #   Money.add_rate("USD", "CAD", 1.25) #=> 1.25
+  def self.add_rate(from_currency, to_currency, rate)
+    Money.default_bank.add_rate(from_currency, to_currency, rate)
+  end
+
+
+  # Creates a new Money object of +cents+ value in cents,
+  # with given +currency+.
+  #
+  # Alternatively you can use the convenience
+  # methods like {Money.ca_dollar} and {Money.us_dollar}.
+  #
+  # @param [Integer] cents The money amount, in cents.
+  # @param [Currency, String, Symbol] currency The currency format.
+  # @param [Money::Bank::*] bank The exchange bank to use.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   Money.new(100)
+  #   #=> #<Money @cents=100 @currency="USD">
+  #   Money.new(100, "USD")
+  #   #=> #<Money @cents=100 @currency="USD">
+  #   Money.new(100, "EUR")
+  #   #=> #<Money @cents=100 @currency="EUR">
+  #
+  # @see Money.new_with_dollars
+  #
+  def initialize(cents, currency = Money.default_currency, bank = Money.default_bank)
+    @cents = cents.round.to_i
+    @currency = Currency.wrap(currency)
+    @bank = bank
+  end
+
+  # Returns the value of the money in dollars,
+  # instead of in cents.
+  #
+  # @return [Float]
+  #
+  # @example
+  #   Money.new(100).dollars           # => 1.0
+  #   Money.new_with_dollars(1).dollar # => 1.0
+  #
+  # @see #to_f
+  # @see #cents
+  #
+  def dollars
+    to_f
+  end
+
+  # Return string representation of currency object
+  #
+  # @return [String]
+  #
+  # @example
+  #   Money.new(100, :USD).currency_as_string #=> "USD"
+  def currency_as_string
+    self.currency.to_s
+  end
+
+  # Set currency object using a string
+  #
+  # @param [String] val The currency string.
+  #
+  # @return [Money::Currency]
+  #
+  # @example
+  #   Money.new(100).currency_as_string("CAD") #=> #<Money::Currency id: cad>
+  def currency_as_string=(val)
+    @currency = Currency.wrap(val)
+  end
+
+  # Returns a Fixnum hash value based on the +cents+ and +currency+ attributes
+  # in order to use functions like & (intersection), group_by, etc.
+  #
+  # @return [Fixnum]
+  #
+  # @example
+  #   Money.new(100).hash #=> 908351
+  def hash
+    [cents.hash, currency.hash].hash
+  end
+
+  # Uses +Currency#symbol+. If +nil+ is returned, defaults to "¤".
+  #
+  # @return [String]
+  #
+  # @example
+  #   Money.new(100, "USD").symbol #=> "$"
+  def symbol
+    currency.symbol || "¤"
+  end
+
+  # Returns the amount of money as a string.
+  #
+  # @return [String]
+  #
+  # @example
+  #   Money.ca_dollar(100).to_s #=> "1.00"
+  def to_s
+    unit, subunit  = cents.abs.divmod(currency.subunit_to_unit).map{|o| o.to_s}
+    if currency.decimal_places == 0
+      return "-#{unit}" if cents < 0
+      return unit
+    end
+    subunit = (("0" * currency.decimal_places) + subunit)[(-1*currency.decimal_places)..-1]
+    return "-#{unit}#{decimal_mark}#{subunit}" if cents < 0
+    "#{unit}#{decimal_mark}#{subunit}"
+  end
+
+  # Return the amount of money as a float. Floating points cannot guarantee
+  # precision. Therefore, this function should only be used when you no longer
+  # need to represent currency or working with another system that requires
+  # decimals.
+  #
+  # @return [Float]
+  #
+  # @example
+  #   Money.us_dollar(100).to_f => 1.0
+  def to_f
+    (BigDecimal.new(cents.to_s) / currency.subunit_to_unit).to_f
+  end
+
+  # Receive the amount of this money object in another Currency.
+  #
+  # @param [Currency, String, Symbol] other_currency Currency to exchange to.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   Money.new(2000, "USD").exchange_to("EUR")
+  #   Money.new(2000, "USD").exchange_to(Currency.new("EUR"))
+  def exchange_to(other_currency)
+    other_currency = Currency.wrap(other_currency)
+    @bank.exchange_with(self, other_currency)
+  end
+
+  # Receive a money object with the same amount as the current Money object
+  # in american dollars.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   n = Money.new(100, "CAD").as_us_dollar
+  #   n.currency #=> #<Money::Currency id: usd>
+  def as_us_dollar
+    exchange_to("USD")
+  end
+
+  # Receive a money object with the same amount as the current Money object
+  # in canadian dollar.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   n = Money.new(100, "USD").as_ca_dollar
+  #   n.currency #=> #<Money::Currency id: cad>
+  def as_ca_dollar
+    exchange_to("CAD")
+  end
+
+  # Receive a money object with the same amount as the current Money object
+  # in euro.
+  #
+  # @return [Money]
+  #
+  # @example
+  #   n = Money.new(100, "USD").as_euro
+  #   n.currency #=> #<Money::Currency id: eur>
+  def as_euro
+    exchange_to("EUR")
+  end
+
+  # Conversation to +self+.
+  #
+  # @return [self]
+  def to_money
+    self
+  end
+
+  # Common inspect function
+  #
+  # @return [String]
+  def inspect
+    "#<Money cents:#{cents} currency:#{currency}>"
+  end
+
+  # Allocates money between different parties without loosing pennies.
+  # After the mathmatically split has been performed, left over pennies will
+  # be distributed round-robin amongst the parties. This means that parties
+  # listed first will likely recieve more pennies then ones that are listed later
+  #
+  # @param [0.50, 0.25, 0.25] to give 50% of the cash to party1, 25% ot party2, and 25% to party3.
+  #
+  # @return [Array<Money, Money, Money>]
+  #
+  # @example
+  #   Money.new(5, "USD").allocate([0.3,0.7)) #=> [Money.new(2), Money.new(3)]
+  #   Money.new(100, "USD").allocate([0.33,0.33,0.33]) #=> [Money.new(34), Money.new(33), Money.new(33)]
+  def allocate(splits)
+    allocations = splits.inject(0.0) {|sum, i| sum += i }
+    raise ArgumentError, "splits add to more then 100%" if (allocations - 1.0) > Float::EPSILON
+
+    left_over = cents
+
+    amounts = splits.collect do |ratio|
+      fraction = (cents * ratio / allocations).floor
+      left_over -= fraction
+      fraction
+    end
+
+    left_over.times { |i| amounts[i % amounts.length] += 1 }
+
+    return amounts.collect { |cents| Money.new(cents, currency) }
+  end
+
+  # Split money amongst parties evenly without loosing pennies.
+  #
+  # @param [2] number of parties.
+  #
+  # @return [Array<Money, Money, Money>]
+  #
+  # @example
+  #   Money.new(100, "USD").split(3) #=> [Money.new(34), Money.new(33), Money.new(33)]
+  def split(num)
+    raise ArgumentError, "need at least one party" if num < 1
+    low = Money.new(cents / num)
+    high = Money.new(low.cents + 1)
+
+    remainder = cents % num
+    result = []
+
+    num.times do |index|
+      result[index] = index < remainder ? high : low
+    end
+
+    return result
+  end
+end