Ooooo Thank you tabstop. I was not sure if I even had it had it half way right though it was looking good to me. Now I see I needed to add some of the other I/O manipulators to get this code going before moving into the fun stuff that I do have a clue about.
I just now included this:
And now I can type 123.1234 and it will output 123.1234 ... but before (type as string) I did not have to type the period. It would pop in automatically. I guest I'll figure out why latter but for now WOW! And to think I was about to change everything and loss it all and not recover. I almost lost faith. Thanks again
cout << setw(3) << setfill('0') << point << '\n';