Alright, let's work through 4075 times 4995 step by step
4075 × 4995 = 4995 × (4075)
+ 4995 × 5 which equals 24975
+ 4995 × 70 that equals 349650
+ 4995 × 000 yielding 0
+ 4995 × 4000 giving us 19980000

= 20354625
