Alright, let's work through 3960 times 2581 step by step
3960 × 2581 = 2581 × (3960)
+ 2581 × 0 producing 0
+ 2581 × 60 which equals 154860
+ 2581 × 900 which equals 2322900
+ 2581 × 3000 which equals 7743000

= 10220760
