Alright, let's work through 9720 times 9854 step by step
9720 × 9854 = 9854 × (9720)
+ 9854 × 0 giving us 0
+ 9854 × 20 resulting in 197080
+ 9854 × 700 which equals 6897800
+ 9854 × 9000 that results in 88686000

= 95780880
