XML XSD Decimal fractionDigits

I have an XSD schema, which a SimpleType - Decimal, fractionDigits = 2, as per this example How to specify minimal value for fractionDigits restriction in XML Schema?.

This quite rightly allows:-

12 12.34 12.06 12.5

But it also accepts 12.230000000 (it does not accept 12.230000001). Why does it not recognise those trailing zeros?

So, is there a way to only allow 2 digits after the decimal, so it errors on 12.230000000?

I've tried the pattern restriction seen here - How to specify minimal value for fractionDigits restriction in XML Schema? but still, it doesn't error on 12.23000000.

Any help will be greatly appreciated - I'm sure I'm missing something very simple!

thanks Craig