Alright, let's work through 9725 times 3960 step by step
9725 × 3960 = 3960 × (9725)
+ 3960 × 5 producing 19800
+ 3960 × 20 that equals 79200
+ 3960 × 700 that results in 2772000
+ 3960 × 9000 producing 35640000

= 38511000
