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8.124 (354 x .023 = 8.124)
.0123 is closer to zero than .023. If you round it to hundredths, it would be .01 or .02. Its easier to think of this way. 1 is closer to zero than 2.
The product is 16.1
23/100 or .023
203 billion, 23 million, 230 thousand, 302.