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I was told a long time ago by a teacher that “there are no whole numbers after the comma”. That is to say, one should say one-point-three-two, but not a lot of people I’ve met since care either way.
Usually one point three two
I grew up with science classes telling us always state the digits individually. One point three two.
Math class taught me to be precise I should always say “1 and 32 hundredths Megabytes”
I don’t think that’s any more precise, just more verbose (read: inefficient).
