OK, let's crack this. We're given 972 and our task is to multiply it by 12. Essentially, we'll be adding 972 to itself 12 times.
Step 1: 0 + 972 = 972
Step 2: 972 + 972 = 1944
Step 3: 1944 + 972 = 2916
Step 4: 2916 + 972 = 3888
Step 5: 3888 + 972 = 4860
Step 6: 4860 + 972 = 5832
Step 7: 5832 + 972 = 6804
Step 8: 6804 + 972 = 7776
Step 9: 7776 + 972 = 8748
Step 10: 8748 + 972 = 9720
Step 11: 9720 + 972 = 10692
Step 12: 10692 + 972 = 11664

So, 972*12 = 11664