Alright, let's work through 4060 times 9812 step by step
4060 × 9812 = 9812 × (4060)
+ 9812 × 0 which equals 0
+ 9812 × 60 resulting in 588720
+ 9812 × 000 that results in 0
+ 9812 × 4000 that equals 39248000

= 39836720
