Three million one hundred forty six.
Using commas or the word "and" would be incorrect.
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Three thousand one hundred forty six
Three nonillion.
Three trillion two hundred billion.
3 x 109 = 3 000 000 000 (3 x 10)9 = 19 683 000 000 000
3 000 000 000
3 000 000 000 plus 200 000 000 plus 600 000 plus 20 000 plus 9