Alright, let's work through 3320 times 3637 step by step
3320 × 3637 = 3637 × (3320)
+ 3637 × 0 yielding 0
+ 3637 × 20 giving us 72740
+ 3637 × 300 which equals 1091100
+ 3637 × 3000 resulting in 10911000

= 12074840
