You are at a grocery store and the cost of your groceries is $32.75. You need to add the sales tax, which is 6%. You have one $20 bill, two $10 bills, one $5 bill, five $1 bills, and some pennies.

How much is your total bill including tax?
How much should you give the cashier so you do not get back any pennies?
What denominations will you use for this?
Be sure to show all of your work. Answer all three questions using complete sentences.