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Split a money amount into shares without losing or inventing a cent. Divide evenly into N parts, or by a list of ratios, and the remainder is distributed one minor unit at a time by a named, deterministic rule — largest-remainder, first-wins or last-wins — so the parts always sum exactly to the original. Uses the ISO 4217 minor-unit exponent of the currency, so zero- and three-decimal currencies work (JPY 0, KWD 3); metals and XXX are rejected.