OK, let's work through this together. We're starting with 995 and we're going to multiply it by 102, which means we add 995 to itself 102 times.
Step 1: 0 + 995 = 995
Step 2: 995 + 995 = 1990
Step 3: 1990 + 995 = 2985
Step 4: 2985 + 995 = 3980
Step 5: 3980 + 995 = 4975
Step 6: 4975 + 995 = 5970
Step 7: 5970 + 995 = 6965
Step 8: 6965 + 995 = 7960
Step 9: 7960 + 995 = 8955
Step 10: 8955 + 995 = 9950
Step 11: 9950 + 995 = 10945
Step 12: 10945 + 995 = 11940
Step 13: 11940 + 995 = 12935
Step 14: 12935 + 995 = 13930
Step 15: 13930 + 995 = 14925
Step 16: 14925 + 995 = 15920
Step 17: 15920 + 995 = 16915
Step 18: 16915 + 995 = 17910
Step 19: 17910 + 995 = 18905
Step 20: 18905 + 995 = 19900
Step 21: 19900 + 995 = 20895
Step 22: 20895 + 995 = 21890
Step 23: 21890 + 995 = 22885
Step 24: 22885 + 995 = 23880
Step 25: 23880 + 995 = 24875
Step 26: 24875 + 995 = 25870
Step 27: 25870 + 995 = 26865
Step 28: 26865 + 995 = 27860
Step 29: 27860 + 995 = 28855
Step 30: 28855 + 995 = 29850
Step 31: 29850 + 995 = 30845
Step 32: 30845 + 995 = 31840
Step 33: 31840 + 995 = 32835
Step 34: 32835 + 995 = 33830
Step 35: 33830 + 995 = 34825
Step 36: 34825 + 995 = 35820
Step 37: 35820 + 995 = 36815
Step 38: 36815 + 995 = 37810
Step 39: 37810 + 995 = 38805
Step 40: 38805 + 995 = 39800
Step 41: 39800 + 995 = 40795
Step 42: 40795 + 995 = 41790
Step 43: 41790 + 995 = 42785
Step 44: 42785 + 995 = 43780
Step 45: 43780 + 995 = 44775
Step 46: 44775 + 995 = 45770
Step 47: 45770 + 995 = 46765
Step 48: 46765 + 995 = 47760
Step 49: 47760 + 995 = 48755
Step 50: 48755 + 995 = 49750
Step 51: 49750 + 995 = 50745
Step 52: 50745 + 995 = 51740
Step 53: 51740 + 995 = 52735
Step 54: 52735 + 995 = 53730
Step 55: 53730 + 995 = 54725
Step 56: 54725 + 995 = 55720
Step 57: 55720 + 995 = 56715
Step 58: 56715 + 995 = 57710
Step 59: 57710 + 995 = 58705
Step 60: 58705 + 995 = 59700
Step 61: 59700 + 995 = 60695
Step 62: 60695 + 995 = 61690
Step 63: 61690 + 995 = 62685
Step 64: 62685 + 995 = 63680
Step 65: 63680 + 995 = 64675
Step 66: 64675 + 995 = 65670
Step 67: 65670 + 995 = 66665
Step 68: 66665 + 995 = 67660
Step 69: 67660 + 995 = 68655
Step 70: 68655 + 995 = 69650
Step 71: 69650 + 995 = 70645
Step 72: 70645 + 995 = 71640
Step 73: 71640 + 995 = 72635
Step 74: 72635 + 995 = 73630
Step 75: 73630 + 995 = 74625
Step 76: 74625 + 995 = 75620
Step 77: 75620 + 995 = 76615
Step 78: 76615 + 995 = 77610
Step 79: 77610 + 995 = 78605
Step 80: 78605 + 995 = 79600
Step 81: 79600 + 995 = 80595
Step 82: 80595 + 995 = 81590
Step 83: 81590 + 995 = 82585
Step 84: 82585 + 995 = 83580
Step 85: 83580 + 995 = 84575
Step 86: 84575 + 995 = 85570
Step 87: 85570 + 995 = 86565
Step 88: 86565 + 995 = 87560
Step 89: 87560 + 995 = 88555
Step 90: 88555 + 995 = 89550
Step 91: 89550 + 995 = 90545
Step 92: 90545 + 995 = 91540
Step 93: 91540 + 995 = 92535
Step 94: 92535 + 995 = 93530
Step 95: 93530 + 995 = 94525
Step 96: 94525 + 995 = 95520
Step 97: 95520 + 995 = 96515
Step 98: 96515 + 995 = 97510
Step 99: 97510 + 995 = 98505
Step 100: 98505 + 995 = 99500
Step 101: 99500 + 995 = 100495
Step 102: 100495 + 995 = 101490

So, 995*102 = 101490