title: Efficient BigDecimal round Up and down to two decimals
body: <p>In java am trying to find an efficient way to round a BigDecimal to two decimals, Up or Down based on a condition.</p>
  
  <pre><code> IF condition true then:
      12.390 ---&gt; 12.39
      12.391 ---&gt; 12.40
      12.395 ---&gt; 12.40
      12.399 ---&gt; 12.40
  
   If condition false then:
      12.390 ---&gt; 12.39
      12.391 ---&gt; 12.39
      12.395 ---&gt; 12.39
      12.399 ---&gt; 12.39
  </code></pre>
  
  <p>What is the most efficient way to accomplish this?   </p>