Alright, let's work through 3713 times 9860 step by step
3713 × 9860 = 9860 × (3713)
+ 9860 × 3 that results in 29580
+ 9860 × 10 which equals 98600
+ 9860 × 700 that equals 6902000
+ 9860 × 3000 that equals 29580000

= 36610180
