def countChange(money: Int, coins: List[Int]): Int = {

      def loop(money: Int, coins: List[Int]): Int = {
        if (money < 0 || coins.isEmpty ) 0
        else if (money == 0 ) 1
        else loop(money, coins.tail) + loop(money - coins.head, coins)
      }

      loop(money, coins)
    }