Amos, Bert, Clem and Dirk had just finished lunch in a restaurant and were paying their checks. The 4 men each had the correct number of dollar bills, each had coins that totaled 1 dollar and the same number of silver coins. Amos had 3 quarters, Bert had 2, Clem had 1 and Dirk had 0. The four men had to pay the same amount, 3 paid the exact amount, but the fourth required change. Determine the number of coins held by each man, and who required change. 