Alright, let's work through 9900 times 1039 step by step
9900 × 1039 = 1039 × (9900)
+ 1039 × 0 yielding 0
+ 1039 × 00 giving us 0
+ 1039 × 900 which equals 935100
+ 1039 × 9000 resulting in 9351000

= 10286100
