New Zealand Dollar (NZD; symbol NZ$) = 100 cents, supplemented by notes and coins minted for local use which are not negotiable outside the Cook Islands. Notes are in denominations of NZ$100, 50, 20, 10 and 5. Coins are in denominations of NZ$2 and 1, and 50, 20, 10 and 5 cents.
The Cook Islands are in the South Pacific Ocean, north-east of New Zealand, between French Polynesia and American Samoa.
The locals are adept at making items of clothing and items like necklaces and jewellery made from shells. Giving somebody a shell necklace and placing it around the recipients neck is a goodwill and love gesture.