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The drawing above, if it is preserved by the formatting, illustrates how. For the first row, put on 4 coins in a row. Stack two additional coins on top of one of the coins. For the second row, make it perpendicular to the first row, and overlapping the stack of 3 coins. You have used a total of 9 coins, with the stack of 3 coins doing double duty for both rows.
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This is only possible if you allow adding coinsNumber of coins in row x Number of rows = total number of coins5 x 2 = 10 coins4 x 4 = 20 coinsYou would need 10 more coins
No, the closest you can get is 40p using 2 x 20p coins.
If you think 2D you can stack one coin on top in a row.
10 nickels and 2 quarters
7 7 x 2 = 14