Alright, let's work through 3490 times 3180 step by step
3490 × 3180 = 3180 × (3490)
+ 3180 × 0 which equals 0
+ 3180 × 90 producing 286200
+ 3180 × 400 that equals 1272000
+ 3180 × 3000 resulting in 9540000

= 11098200
