three hundred twenty-six thousandths
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0.326 is a fraction. It is a fraction in decimal form rather than in the form of a ratio. However, that does not stop it being a fraction. Its equivalent, in rational form, is 326/1000. You can simplify this rational fraction if you so wish.
You can write 5.24 in word form as five and twenty-four hundredths
You can write 14.12 in word form as fourteen and twelve hundredths
91 in word form is ninety-one.
8,000,000 in word form is eight million.