Alright, let's work through 9981 times 8686 step by step
9981 × 8686 = 8686 × (9981)
+ 8686 × 1 that results in 8686
+ 8686 × 80 which equals 694880
+ 8686 × 900 that equals 7817400
+ 8686 × 9000 giving us 78174000

= 86694966
