The word "percent" means "per hundred" (Latin centum).
So 3% = 0.03
and 4% = 0.04
Multiplying, you get (0.03) x (0.04) = 0.0012
(equal to twelve-hundredths of one percent)
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To find 3 percent of a number, multiply the number by 0.03. In this instance, 0.03 x 4 = 0.12. Therefore, 3 percent of 4 is equal to 0.12.