Let's roll up our sleeves and solve this. We have 971 and we're going to multiply it by 196, essentially adding 971 to itself 196 times.
Step 1: 0 + 971 = 971
Step 2: 971 + 971 = 1942
Step 3: 1942 + 971 = 2913
Step 4: 2913 + 971 = 3884
Step 5: 3884 + 971 = 4855
Step 6: 4855 + 971 = 5826
Step 7: 5826 + 971 = 6797
Step 8: 6797 + 971 = 7768
Step 9: 7768 + 971 = 8739
Step 10: 8739 + 971 = 9710
Step 11: 9710 + 971 = 10681
Step 12: 10681 + 971 = 11652
Step 13: 11652 + 971 = 12623
Step 14: 12623 + 971 = 13594
Step 15: 13594 + 971 = 14565
Step 16: 14565 + 971 = 15536
Step 17: 15536 + 971 = 16507
Step 18: 16507 + 971 = 17478
Step 19: 17478 + 971 = 18449
Step 20: 18449 + 971 = 19420
Step 21: 19420 + 971 = 20391
Step 22: 20391 + 971 = 21362
Step 23: 21362 + 971 = 22333
Step 24: 22333 + 971 = 23304
Step 25: 23304 + 971 = 24275
Step 26: 24275 + 971 = 25246
Step 27: 25246 + 971 = 26217
Step 28: 26217 + 971 = 27188
Step 29: 27188 + 971 = 28159
Step 30: 28159 + 971 = 29130
Step 31: 29130 + 971 = 30101
Step 32: 30101 + 971 = 31072
Step 33: 31072 + 971 = 32043
Step 34: 32043 + 971 = 33014
Step 35: 33014 + 971 = 33985
Step 36: 33985 + 971 = 34956
Step 37: 34956 + 971 = 35927
Step 38: 35927 + 971 = 36898
Step 39: 36898 + 971 = 37869
Step 40: 37869 + 971 = 38840
Step 41: 38840 + 971 = 39811
Step 42: 39811 + 971 = 40782
Step 43: 40782 + 971 = 41753
Step 44: 41753 + 971 = 42724
Step 45: 42724 + 971 = 43695
Step 46: 43695 + 971 = 44666
Step 47: 44666 + 971 = 45637
Step 48: 45637 + 971 = 46608
Step 49: 46608 + 971 = 47579
Step 50: 47579 + 971 = 48550
Step 51: 48550 + 971 = 49521
Step 52: 49521 + 971 = 50492
Step 53: 50492 + 971 = 51463
Step 54: 51463 + 971 = 52434
Step 55: 52434 + 971 = 53405
Step 56: 53405 + 971 = 54376
Step 57: 54376 + 971 = 55347
Step 58: 55347 + 971 = 56318
Step 59: 56318 + 971 = 57289
Step 60: 57289 + 971 = 58260
Step 61: 58260 + 971 = 59231
Step 62: 59231 + 971 = 60202
Step 63: 60202 + 971 = 61173
Step 64: 61173 + 971 = 62144
Step 65: 62144 + 971 = 63115
Step 66: 63115 + 971 = 64086
Step 67: 64086 + 971 = 65057
Step 68: 65057 + 971 = 66028
Step 69: 66028 + 971 = 66999
Step 70: 66999 + 971 = 67970
Step 71: 67970 + 971 = 68941
Step 72: 68941 + 971 = 69912
Step 73: 69912 + 971 = 70883
Step 74: 70883 + 971 = 71854
Step 75: 71854 + 971 = 72825
Step 76: 72825 + 971 = 73796
Step 77: 73796 + 971 = 74767
Step 78: 74767 + 971 = 75738
Step 79: 75738 + 971 = 76709
Step 80: 76709 + 971 = 77680
Step 81: 77680 + 971 = 78651
Step 82: 78651 + 971 = 79622
Step 83: 79622 + 971 = 80593
Step 84: 80593 + 971 = 81564
Step 85: 81564 + 971 = 82535
Step 86: 82535 + 971 = 83506
Step 87: 83506 + 971 = 84477
Step 88: 84477 + 971 = 85448
Step 89: 85448 + 971 = 86419
Step 90: 86419 + 971 = 87390
Step 91: 87390 + 971 = 88361
Step 92: 88361 + 971 = 89332
Step 93: 89332 + 971 = 90303
Step 94: 90303 + 971 = 91274
Step 95: 91274 + 971 = 92245
Step 96: 92245 + 971 = 93216
Step 97: 93216 + 971 = 94187
Step 98: 94187 + 971 = 95158
Step 99: 95158 + 971 = 96129
Step 100: 96129 + 971 = 97100
Step 101: 97100 + 971 = 98071
Step 102: 98071 + 971 = 99042
Step 103: 99042 + 971 = 100013
Step 104: 100013 + 971 = 100984
Step 105: 100984 + 971 = 101955
Step 106: 101955 + 971 = 102926
Step 107: 102926 + 971 = 103897
Step 108: 103897 + 971 = 104868
Step 109: 104868 + 971 = 105839
Step 110: 105839 + 971 = 106810
Step 111: 106810 + 971 = 107781
Step 112: 107781 + 971 = 108752
Step 113: 108752 + 971 = 109723
Step 114: 109723 + 971 = 110694
Step 115: 110694 + 971 = 111665
Step 116: 111665 + 971 = 112636
Step 117: 112636 + 971 = 113607
Step 118: 113607 + 971 = 114578
Step 119: 114578 + 971 = 115549
Step 120: 115549 + 971 = 116520
Step 121: 116520 + 971 = 117491
Step 122: 117491 + 971 = 118462
Step 123: 118462 + 971 = 119433
Step 124: 119433 + 971 = 120404
Step 125: 120404 + 971 = 121375
Step 126: 121375 + 971 = 122346
Step 127: 122346 + 971 = 123317
Step 128: 123317 + 971 = 124288
Step 129: 124288 + 971 = 125259
Step 130: 125259 + 971 = 126230
Step 131: 126230 + 971 = 127201
Step 132: 127201 + 971 = 128172
Step 133: 128172 + 971 = 129143
Step 134: 129143 + 971 = 130114
Step 135: 130114 + 971 = 131085
Step 136: 131085 + 971 = 132056
Step 137: 132056 + 971 = 133027
Step 138: 133027 + 971 = 133998
Step 139: 133998 + 971 = 134969
Step 140: 134969 + 971 = 135940
Step 141: 135940 + 971 = 136911
Step 142: 136911 + 971 = 137882
Step 143: 137882 + 971 = 138853
Step 144: 138853 + 971 = 139824
Step 145: 139824 + 971 = 140795
Step 146: 140795 + 971 = 141766
Step 147: 141766 + 971 = 142737
Step 148: 142737 + 971 = 143708
Step 149: 143708 + 971 = 144679
Step 150: 144679 + 971 = 145650
Step 151: 145650 + 971 = 146621
Step 152: 146621 + 971 = 147592
Step 153: 147592 + 971 = 148563
Step 154: 148563 + 971 = 149534
Step 155: 149534 + 971 = 150505
Step 156: 150505 + 971 = 151476
Step 157: 151476 + 971 = 152447
Step 158: 152447 + 971 = 153418
Step 159: 153418 + 971 = 154389
Step 160: 154389 + 971 = 155360
Step 161: 155360 + 971 = 156331
Step 162: 156331 + 971 = 157302
Step 163: 157302 + 971 = 158273
Step 164: 158273 + 971 = 159244
Step 165: 159244 + 971 = 160215
Step 166: 160215 + 971 = 161186
Step 167: 161186 + 971 = 162157
Step 168: 162157 + 971 = 163128
Step 169: 163128 + 971 = 164099
Step 170: 164099 + 971 = 165070
Step 171: 165070 + 971 = 166041
Step 172: 166041 + 971 = 167012
Step 173: 167012 + 971 = 167983
Step 174: 167983 + 971 = 168954
Step 175: 168954 + 971 = 169925
Step 176: 169925 + 971 = 170896
Step 177: 170896 + 971 = 171867
Step 178: 171867 + 971 = 172838
Step 179: 172838 + 971 = 173809
Step 180: 173809 + 971 = 174780
Step 181: 174780 + 971 = 175751
Step 182: 175751 + 971 = 176722
Step 183: 176722 + 971 = 177693
Step 184: 177693 + 971 = 178664
Step 185: 178664 + 971 = 179635
Step 186: 179635 + 971 = 180606
Step 187: 180606 + 971 = 181577
Step 188: 181577 + 971 = 182548
Step 189: 182548 + 971 = 183519
Step 190: 183519 + 971 = 184490
Step 191: 184490 + 971 = 185461
Step 192: 185461 + 971 = 186432
Step 193: 186432 + 971 = 187403
Step 194: 187403 + 971 = 188374
Step 195: 188374 + 971 = 189345
Step 196: 189345 + 971 = 190316

So, 971*196 = 190316