function formatMoney (amount, flag=0) {
  const options = {
    style: 'currency',
    currency: 'USD',
    minimumFractionDigits: 2,
  };

  if (flag) {
      // Leave off .00 for whole dollar amounts
      if (amount % 100 === 0) options.minimumFractionDigits = 0;
  }

  const formatter = new Intl.NumberFormat('en-US', options);

  return formatter.format(amount / 100);
}