Alright, let's work through 9720 times 9920 step by step
9720 × 9920 = 9920 × (9720)
+ 9920 × 0 that results in 0
+ 9920 × 20 yielding 198400
+ 9920 × 700 that is equal 6944000
+ 9920 × 9000 that results in 89280000

= 96422400
