We're going to solve 3731 multiplied by 1039
3731 × 1039 = 1039 × (3731)
+ 1039 × 1 resulting in 1039
+ 1039 × 30 what gives us 31170
+ 1039 × 700 what gives us 727300
+ 1039 × 3000 producing 3117000

= 3876509
