Let's roll up our sleeves and solve this. We have 964 and we're going to multiply it by 12, essentially adding 964 to itself 12 times.
Step 1: 0 + 964 = 964
Step 2: 964 + 964 = 1928
Step 3: 1928 + 964 = 2892
Step 4: 2892 + 964 = 3856
Step 5: 3856 + 964 = 4820
Step 6: 4820 + 964 = 5784
Step 7: 5784 + 964 = 6748
Step 8: 6748 + 964 = 7712
Step 9: 7712 + 964 = 8676
Step 10: 8676 + 964 = 9640
Step 11: 9640 + 964 = 10604
Step 12: 10604 + 964 = 11568

So, 964*12 = 11568