>This'll do it:
>
>cCheckAmount=Verbalize(nNumber,lTrueFalse)
>nNumber = number or currency to convert
>lTrueFalse = PROPER case it?
>
>

>PROCEDURE Verbalize
>LPARAMETERS nNum,lPropered
>IF !TYPE("nNum")$"NY"
>   RETURN
>ENDIF
>IF TYPE("lPropered")="U"
>   lPropered=.F.
>ENDIF
>=InitArrays(lPropered)
>cAmount=""
>cNum=STR(nNum,12,2)
>cAmount=CvrtBlock(SUBSTR(cNum,7,3),"")+"Dollars and "+ALLT(STR(VAL(RIGHT(cNum,2))))+" Cents"
>cAmount=CvrtBlock(SUBSTR(cNum,4,3),"Thousand ")+cAmount
>cAmount=CvrtBlock(SUBSTR(cNum,1,3),"Million ")+cAmount
>RELEASE aTens,aOnes,aTeens
>RETURN cAmount
>ENDPROC
>* InitArrays -- Initialize arrays
>PROCEDURE InitArrays
>LPARAMETERS lPropered
>PUBLIC aTens[9],aOnes[9],aTeens[9]
>aTens[1]="TEN"
>aTens[2]="TWENTY"
>aTens[3]="THIRTY"
>aTens[4]="FORTY"
>aTens[5]="FIFTY"
>aTens[6]="SIXTY"
>aTens[7]="SEVENTY"
>aTens[8]="EIGHTY"
>aTens[9]="NINETY"
>aOnes[1]="ONE"
>aOnes[2]="TWO"

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>aOnes[3]="THREE"
>aOnes[4]="FOUR"
>aOnes[5]="FIVE"
>aOnes[6]="SIX"
>aOnes[7]="SEVEN"
>aOnes[8]="EIGHT"
>aOnes[9]="NINE"
>aTeens[1]="ELEVEN"
>aTeens[2]="TWELVE"
>aTeens[3]="THIRTEEN"
>aTeens[4]="FOURTEEN"
>aTeens[5]="FIFTEEN"
>aTeens[6]="SIXTEEN"
>aTeens[7]="SEVENTEEN"
>aTeens[8]="EIGHTEEN"
>aTeens[9]="NINETEEN"
>IF lPropered
>   FOR i = 1 TO 9
>      aTens[i]=PROPER(aTens[i])
>      aOnes[i]=PROPER(aOnes[i])
>      aTeens[i]=PROPER(aTeens[i])
>   ENDFOR
>ENDIF
>RETURN
>ENDPROC
>* CvrtBlock.....converts a 3-character chunk of number
>PROCEDURE CvrtBlock
>LPARAMETERS cBlock,cBlockType
>cTeens		=""
>cOnes			=""
>cTens			=""
>cHundreds	=""
>cConverted  =""
>nBValue		= VAL(cBlock)
>nTensNOnes  = VAL(RIGHT(cBlock,2))
>nDigit		= VAL(RIGHT(cBlock,1))
>nDecade     = VAL(SUBSTR(cBlock,2,1))
>nCentury    = VAL(LEFT(cBlock,1))
>IF nTensNOnes # 0
>   IF BETWEEN(nTensNOnes,11,19)
>      cTeens=aTeens[nTensNOnes-10]
>   ELSE
>	   IF MOD(nBValue,10) # 0
>	      cOnes=aOnes[nDigit]
>	   ENDIF
>	   IF nDecade # 0
>	      cTens=aTens[nDecade]+IIF(!EMPTY(cOnes),"-","")
>	   ENDIF
>	ENDIF
>ENDIF
>IF nCentury # 0
>   cHundreds=aOnes[nCentury]+" Hundred "
>ENDIF
>cConverted=cHundreds+cTeens+cTens+cOnes+" "+cBlockType
>RETURN cConverted
>ENDPROC
>