Alright, let's work through 3940 times 3196 step by step
3940 × 3196 = 3196 × (3940)
+ 3196 × 0 that results in 0
+ 3196 × 40 what gives us 127840
+ 3196 × 900 yielding 2876400
+ 3196 × 3000 resulting in 9588000

= 12592240
