Read a live reserve

An API row gives a token amount as 881504682420 and the token's decimals as 6. How many tokens is that?

• 881,504,682,420
• 881,504.68
• 0.88

Why multiply scaled debt by the borrow index?

• To convert it from ray to percent
• To turn the stored, interest-neutral amount into today's debt, including interest charged so far
• To subtract the reserve factor