Well honey, 3960000000 is 3960 million. It's simple math, no need to make it more complicated than it needs to be. Just move those zeros around and voila, you got your answer.
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1800 millions
1,790 millions.
500 billion equals 500,000 millions.
1000 million is equal to a billion. 3.2 billion would be 3200 millions.
Thirty trillion