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97% of water on the Earth is salt water, and only 3% is fresh water of which slightly over two thirds is frozen in glaciers and polar ice caps.
3 percent out of 100 percent = 0.03 x 100 percent = 3 percent
In lakes, rivers and ponds...
3 percent percent of 892 is 0.2676
3 percent of 40000 percent = 12