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Excel Formula Display Issue

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How do I lock a cell to calculate off what it's formatted as versus the formula result?

Example:  Taking $105.00 and multiplying it by 1.035, I need to get a Currency Number that show 2 spots after the decimal point.  The rounded answer should be $108.68.  The fully extended answer without regard to decimal places is $108.675. To continue, I want to multiply the amount showing in the cell $108.68 times 1920.  The answer should be $208,665.60, yet the result from the formula shows $208,656.00...a difference of $9.60.

How do get what I see in each cell to calculate versus the underlying cell formula?

HELP!



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