#include <iostream>
#include <vector>
#include <string>
 
int main() {
	int rows = 10, cols = 10;
	std::vector<std::string> strs( rows, std::string( cols, ' ' ) );
	for (int x = 0; x<rows; x++) 
	    for (int y = 0; y<cols; y++) 
	        if (x == 0 || x == 9 || y == 0 || y == 9) 
	            strs[y][x] = '*'; // only issue you have to address row/column not column/row
 
	std::string text = "foo";
	strs[rows/2].replace( ( cols - text.length() ) / 2, text.length(), text );
 
	for( const auto &str : strs )
	    std::cout << str << std::endl;
 
	return 0;
}

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