Is 3.06 larger or smaller than 3.2? explain

3.2 is bigger,  3.06 having the two points behind the decimal is a way at looking between numbers more closely.
Example: the numbers between 3.7 and 3.8 
3.70,  3.71,  3.72,  3.73,  3.74,  3.75,  3.76,  3.77,  3.78,  3.79,  3.80

Smaller because 3.2 if you add a zero 3.20 20 is greater than 6 hope this helped sorry i cant explain

If you make it a little more clear i can answer it