Alright, let's work through 3532 times 3020 step by step
3532 × 3020 = 3020 × (3532)
+ 3020 × 2 yielding 6040
+ 3020 × 30 that equals 90600
+ 3020 × 500 which equals 1510000
+ 3020 × 3000 resulting in 9060000

= 10666640
