XPath in XQuery: Scientific notation

XPath in XQuery:  Scientific notation

I have an output XSD that looks like this:

  <xs:simpleType name="Money">
    <xs:restriction base="xs:decimal">
         <xs:fractionDigits value="2"/>
     </xs:restriction>
  </xs:simpleType>

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I then use the following statement:

fn:sum($Accounts/in:IndividualAcct[in:AcctType = 'AttcRec']/in:balance)

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One of my summations results in the following in scientific notation:

1.08531525E6

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I need to format this in such a way as to NOT use
scientific notation.  

Can I use either fn:string or format-string().  

How can I do this?   Can I do this all on the same line as the fn:sum() statement.  What would that look like?

Thanks