You've been given a twenty dollar bill that you need to break into smaller bills and coins in order to make change. You break it into three (3) five-dollar bills, and three (3) one-dollar bills. How many quarters do you need to complete the conversion?

8 quarters

Step-by-step explanation:

You need to break the $20 into smaller bills. The smaller bills value has to be equal to $20. So far you have three $5 bills and three 1$ bills, so the current value is 3*$5 + 3*$1 = $18

The value you need to add more will be $20 - $18 = $2

You need to add $2 more value to the smaller bills and you want to do it using quarters ($0.25). The number of the quarter you need will be: $2 / $0.25 = 8 quarters