Let's break this down. We're going to add 9651 and 1195 together.

Step 1: We'll start by adding the digits 1 & 5 in column 1 and get 6.

Step 2: We'll start by adding the digits 5 & 9 in column 2 and get 14.
We'll write down the last digit 4 and carry the 1 to the next column.

Step 3: We'll start by adding the digits 6 & 1 in column 3 and get 8.

Step 4: We'll start by adding the digits 9 & 1 in column 4 and get 10.
We'll write down the last digit 0 and carry the 1 to the next column.

So, 9651 + 1195 = 10846.

