Let's roll up our sleeves and solve this. We have 964 and we're going to multiply it by 28, essentially adding 964 to itself 28 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
Step 13: 11568 + 964 = 12532
Step 14: 12532 + 964 = 13496
Step 15: 13496 + 964 = 14460
Step 16: 14460 + 964 = 15424
Step 17: 15424 + 964 = 16388
Step 18: 16388 + 964 = 17352
Step 19: 17352 + 964 = 18316
Step 20: 18316 + 964 = 19280
Step 21: 19280 + 964 = 20244
Step 22: 20244 + 964 = 21208
Step 23: 21208 + 964 = 22172
Step 24: 22172 + 964 = 23136
Step 25: 23136 + 964 = 24100
Step 26: 24100 + 964 = 25064
Step 27: 25064 + 964 = 26028
Step 28: 26028 + 964 = 26992

So, 964*28 = 26992