Alright, let's work through 3922 times 8820 step by step
3922 × 8820 = 8820 × (3922)
+ 8820 × 2 giving us 17640
+ 8820 × 20 giving us 176400
+ 8820 × 900 producing 7938000
+ 8820 × 3000 that equals 26460000

= 34592040
