Three and forty-five hundredths.
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Three forty five in the afternoon (am or pm is not "in words").
345 = 34500%
To write 345 as a decimal, you place the decimal point after the last digit. So, 345 written as a decimal is 345.0. This is because the decimal point is always placed after the whole number part, even if there are no decimal digits.
three hundred forty-five thousandths
Zero point eighteen is how I would write 0.18Or maybe simply write point eighteen