OK, let's crack this. We're given 820 and our task is to multiply it by 20. Essentially, we'll be adding 820 to itself 20 times.
Step 1: 0 + 820 = 820
Step 2: 820 + 820 = 1640
Step 3: 1640 + 820 = 2460
Step 4: 2460 + 820 = 3280
Step 5: 3280 + 820 = 4100
Step 6: 4100 + 820 = 4920
Step 7: 4920 + 820 = 5740
Step 8: 5740 + 820 = 6560
Step 9: 6560 + 820 = 7380
Step 10: 7380 + 820 = 8200
Step 11: 8200 + 820 = 9020
Step 12: 9020 + 820 = 9840
Step 13: 9840 + 820 = 10660
Step 14: 10660 + 820 = 11480
Step 15: 11480 + 820 = 12300
Step 16: 12300 + 820 = 13120
Step 17: 13120 + 820 = 13940
Step 18: 13940 + 820 = 14760
Step 19: 14760 + 820 = 15580
Step 20: 15580 + 820 = 16400

So, 820*20 = 16400