Help! (Monetary Calculations Using Only Integers)

I am new to C++ programming, but I am trying to modify the following code so that I can calculate compound interest using only integers. I only clues I have are to (Treat all monetary amounts as integral numbers of pennies. Then "break" the result into its dollar portion and cents portion by using the division and modulus operations. Insert a period.) If anyone could help me along in the right direction or help me find resources that explain this I would greatly appreciate it. Thanks.

#include <iostream>

using std::cout;

using std::endl;

using std::ios;

#include <iomanip>

using std::setw;

using std::setiosflags;

using std::setprecision;

#include <cmath>

int main()

{

double amount, // amount on deposit

principal = 1000.0, // starting principal

rate = .05; // interest rate

cout << "Year" << setw( 21 )

<< "Amount on deposit" << endl;

// set the floating-point number format

cout << setiosflags( ios::fixed | ios::showpoint )

<< setprecision( 2 );

for ( int year = 1; year <= 10; year++ ) {

amount = principal * pow( 1.0 + rate, year );

cout << setw( 4 ) << year << setw( 21 ) << amount << endl;

}

return 0;

}