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Default Changing whole numbers into decimals

I would like to format a cell with one existing string of numbers into
currency, e.g., the current cell has 123456, and I want to format it so that
it shows 1234.56. When I try to format the cell for currency or accounting,
it changes it to 123456.00, which is the opposite direction in which I want
to move the decimal point. How do I get Excel to move the decimal point two
spaces to the left, instead of two spaces to the right?

Thanks!!!!
 
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