algorithm is now a bit more readable, less direct mutations and simpler to follow
generally we want to do all the calculations before actually modifying any value, so instead of converting them to cents, adding, then converting back to dollars, just do the operation on the cents themselves, and add it in the end, this way we're not changing a bunch of data back and forth, which is hard to keep track of when reading through the code
renamed ower to owers, anytime we have a array/list, the name should be plural
owertoowers, anytime we have a array/list, the name should be plural