The decimal point isn't a fractor or a 'place' value.
It only marks the boundary between . . .
(place values = powers of ten from zero and up) . (place values = negative powers of ten)
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The seventh to the left of the decimal point.
To convert the decimal 0.89 to a decimal, you simply write it as is: 0.89. In decimal form, the number to the left of the decimal point represents the whole number part, and the digits to the right of the decimal point represent the fractional part. So, 0.89 is already in decimal form.
You need to add up the number of digits to the right of the decimal to find the number of digits in the answer. If the first factor has 2 digits to the right of the decimal point and the second factor has 3, the final answer will have 5 digits to the right of the decimal point.
The name of such a number is a decimal number. The digits after the decimal point represent tenths, hundredths, thousandths, and so on.
When you multipy 45.3 by 10 it yields 453. If you multiply any decimal by a factor of 10 then the decimal point will move right side.