To multiply decimals, you multiply the numbers as whole numbers and then count decimal places to determine where to place the decimal point in the answer. For the multiplication 1.3 x 3, you multiply 3 x 3 = 9 and 3 x 1 = 3, writing 39 without regard to decimals. Since there is one decimal place in the original numbers, the decimal point goes after the first digit in the answer, making 3.9.