# Global helper functions
def truncate(n, decimals=2):
    multiplier = 10 ** decimals
    return int(n * multiplier) / multiplier

def format_money(number):
    return ("${:,}".format(truncate(number)))

def format_rate(rate):
    if rate >= 1.0:
        return format_rate(rate - 1.0)
    else:
        return "{:<}%".format(round(rate * 100, 3))