1. **State the problem:** Calculate the value of $$\frac{1.84 \times 1.48}{81}$$. 2. **Multiply the numerator:** Calculate $$1.84 \times 1.48$$. $$1.84 \times 1.48 = 2.7232$$ 3. **Divide by the denominator:** Divide the result by 81: $$\frac{2.7232}{81} = 0.03363...$$ 4. **Final answer rounded:** $$0.034$$ (rounded to three decimal places)