The instruction NBCD (Negate BCD) negates a BCD-number. The method used for tens complement. The tens complement to 01 is 99 (1+99=100), to 26 is 74 (26+74=100) and so on. The X flag is added to the tens complement which is the loan from the previous BCD calculation (multi-precision). A normal series of BCD instructions starts with the X flag cleared and the Z flag set.