How to get reports to print with only 2 decimal places ?

Needless to say the control element "decimal places" does nothing

I've set what appears to be the relevant controls in the table itself and of
course in the form . In the text box that prints the problem data I call for
=Sum([tot])  .

Tot itself prints as 2 decimal places in the body of the report but as 4
(!!!??) in the report footer

I've played with "format" , but the help on it is so poor as to be useless
to me.