sun818 - 3:48 pm on Apr 3, 2010 (gmt 0)
I would suggest against the idea of having a category name as part of the product URL. Its a very old way of thinking because a product can belong in multiple categories. Your money page should just be product name. The navigation can vary that leads to the money -- which can have the category name in the URL.
Sorry I don't have specific recommendations for you.