Alright, let's work through 3196 times 4195 step by step
3196 × 4195 = 4195 × (3196)
+ 4195 × 6 that equals 25170
+ 4195 × 90 giving us 377550
+ 4195 × 100 what gives us 419500
+ 4195 × 3000 that results in 12585000

= 13407220
