Exactly as in the question.
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You divide 346 by 1,000 and get .346.
We have 6 zeros at the end so our answer will be something in the millions. The digits before the zeros are 346, which is "Three hundred forty six" so the whole number is "Three hundred forty six million"
You write eighty one thousand in digits by doing 81,000.
digits
Write the digits in such a way that there are six digits to the right of the number of millions, and three digits to the right of the thousands. Fill out missing digits with zeros.