protected String createPair(String name,BigDecimal value,int maxLength){
  if (value == null)   return createPair(name,"0",maxLength);
 else {
    if (value.scale() < 2)     value=value.setScale(2,BigDecimal.ROUND_HALF_UP);
    return createPair(name,String.valueOf(value),maxLength);
  }
}

protected String createPair ( String name , BigDecimal value , int maxLength ) { if ( value == null ) return createPair ( name , "0" , maxLength ) ; else { if ( value . scale ( ) < 2 ) value = value . setScale ( 2 , BigDecimal . ROUND_HALF_UP ) ; return createPair ( name , String . valueOf ( value ) , maxLength ) ; } }
check for delimiter fields & = and add length of not encoded
