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.54 is bigger than .51. When you read a decimal, you read it from left to right, the biggest decimal number being the one closest to the decimal point.
The word form of 4.14 is "four and fourteen hundredths." In this form, the decimal number is read as a whole number followed by the word "and" and the decimal portion. The number after the decimal point is read as a cardinal number (fourteen) followed by the appropriate place value (hundredths).
As many as there were before the number was read!
6.49 in word form is "six and forty-nine hundredths." This is the standard way to express decimal numbers in words, where the number to the left of the decimal point is read as a whole number, followed by "and," and then the number to the right of the decimal point is read as individual digits.
You would round the number UP - to read 39.9910 (or 39.991)