Ok- here it is from the Red Book.
"Under the coinage act of 1965, the composition of dimes, quarters and half dollars was changed to eliminate or reduce the silver content of these coins. The "clad" dimes and quarters were composed of an outer layer of copper-nickel (75% copper and 25% nickel) bonded to an inner core of pure copper. Starting 1971 the half dollar and dollar composition was changed to that the dime and quarter. All silver clad coins have an outer layer of 80% silver bonded to an inner core of 21% silver, with a total content of 40% silver."
Now cents on the other hand have been different compositions through the years, but none of them are truly "clad". The steel cents of 1943 were plated, as are the cents starting in 1982.
"Clad" is a term used to describe how the different metals are put together, for lack of better wording.
Clad coins are from a sheet of metal that has an inner core of copper, and an outer core of copper and nickel. The blanks are puched out of this sheet and stamped into coins. The metals are layered in the original sheet of metal.
The steel cents and cents since 1982 are plated. They are punched out of the base inner metal, then the plating is put on afterwards. If they were truly clad, the zinc cents would rot through from the rims almost immediately after leaving the mint.
Longwinded, but I hope that answers your question.
