Alright, let's work through 5524 times 5195 step by step
5524 × 5195 = 5195 × (5524)
+ 5195 × 4 yielding 20780
+ 5195 × 20 resulting in 103900
+ 5195 × 500 yielding 2597500
+ 5195 × 5000 which equals 25975000

= 28697180
