Got it! So, we have 98978 and 95963, and we'll subtract the latter from the former.

Step 1: We'll start by subtracting the digit 3 and the borrow 0 from 8 in column 1 and get 5.
5 is the first digit of our result.

Step 2: We'll start by subtracting the digit 6 and the borrow 0 from 7 in column 2 and get 1.
1 is the next digit of our result.

Step 3: We'll start by subtracting the digit 9 and the borrow 0 from 9 in column 3 and get 0.
0 is the next digit of our result.

Step 4: We'll start by subtracting the digit 5 and the borrow 0 from 8 in column 4 and get 3.
3 is the next digit of our result.

Step 5: We'll start by subtracting the digit 9 and the borrow 0 from 9 in column 5 and get 0.
0 is the next digit of our result.

So, 98978 - 95963 = 3015.