OK, let's work through this together. We're starting with 531 and we're going to multiply it by 194, which means we add 531 to itself 194 times.
Step 1: 0 + 531 = 531
Step 2: 531 + 531 = 1062
Step 3: 1062 + 531 = 1593
Step 4: 1593 + 531 = 2124
Step 5: 2124 + 531 = 2655
Step 6: 2655 + 531 = 3186
Step 7: 3186 + 531 = 3717
Step 8: 3717 + 531 = 4248
Step 9: 4248 + 531 = 4779
Step 10: 4779 + 531 = 5310
Step 11: 5310 + 531 = 5841
Step 12: 5841 + 531 = 6372
Step 13: 6372 + 531 = 6903
Step 14: 6903 + 531 = 7434
Step 15: 7434 + 531 = 7965
Step 16: 7965 + 531 = 8496
Step 17: 8496 + 531 = 9027
Step 18: 9027 + 531 = 9558
Step 19: 9558 + 531 = 10089
Step 20: 10089 + 531 = 10620
Step 21: 10620 + 531 = 11151
Step 22: 11151 + 531 = 11682
Step 23: 11682 + 531 = 12213
Step 24: 12213 + 531 = 12744
Step 25: 12744 + 531 = 13275
Step 26: 13275 + 531 = 13806
Step 27: 13806 + 531 = 14337
Step 28: 14337 + 531 = 14868
Step 29: 14868 + 531 = 15399
Step 30: 15399 + 531 = 15930
Step 31: 15930 + 531 = 16461
Step 32: 16461 + 531 = 16992
Step 33: 16992 + 531 = 17523
Step 34: 17523 + 531 = 18054
Step 35: 18054 + 531 = 18585
Step 36: 18585 + 531 = 19116
Step 37: 19116 + 531 = 19647
Step 38: 19647 + 531 = 20178
Step 39: 20178 + 531 = 20709
Step 40: 20709 + 531 = 21240
Step 41: 21240 + 531 = 21771
Step 42: 21771 + 531 = 22302
Step 43: 22302 + 531 = 22833
Step 44: 22833 + 531 = 23364
Step 45: 23364 + 531 = 23895
Step 46: 23895 + 531 = 24426
Step 47: 24426 + 531 = 24957
Step 48: 24957 + 531 = 25488
Step 49: 25488 + 531 = 26019
Step 50: 26019 + 531 = 26550
Step 51: 26550 + 531 = 27081
Step 52: 27081 + 531 = 27612
Step 53: 27612 + 531 = 28143
Step 54: 28143 + 531 = 28674
Step 55: 28674 + 531 = 29205
Step 56: 29205 + 531 = 29736
Step 57: 29736 + 531 = 30267
Step 58: 30267 + 531 = 30798
Step 59: 30798 + 531 = 31329
Step 60: 31329 + 531 = 31860
Step 61: 31860 + 531 = 32391
Step 62: 32391 + 531 = 32922
Step 63: 32922 + 531 = 33453
Step 64: 33453 + 531 = 33984
Step 65: 33984 + 531 = 34515
Step 66: 34515 + 531 = 35046
Step 67: 35046 + 531 = 35577
Step 68: 35577 + 531 = 36108
Step 69: 36108 + 531 = 36639
Step 70: 36639 + 531 = 37170
Step 71: 37170 + 531 = 37701
Step 72: 37701 + 531 = 38232
Step 73: 38232 + 531 = 38763
Step 74: 38763 + 531 = 39294
Step 75: 39294 + 531 = 39825
Step 76: 39825 + 531 = 40356
Step 77: 40356 + 531 = 40887
Step 78: 40887 + 531 = 41418
Step 79: 41418 + 531 = 41949
Step 80: 41949 + 531 = 42480
Step 81: 42480 + 531 = 43011
Step 82: 43011 + 531 = 43542
Step 83: 43542 + 531 = 44073
Step 84: 44073 + 531 = 44604
Step 85: 44604 + 531 = 45135
Step 86: 45135 + 531 = 45666
Step 87: 45666 + 531 = 46197
Step 88: 46197 + 531 = 46728
Step 89: 46728 + 531 = 47259
Step 90: 47259 + 531 = 47790
Step 91: 47790 + 531 = 48321
Step 92: 48321 + 531 = 48852
Step 93: 48852 + 531 = 49383
Step 94: 49383 + 531 = 49914
Step 95: 49914 + 531 = 50445
Step 96: 50445 + 531 = 50976
Step 97: 50976 + 531 = 51507
Step 98: 51507 + 531 = 52038
Step 99: 52038 + 531 = 52569
Step 100: 52569 + 531 = 53100
Step 101: 53100 + 531 = 53631
Step 102: 53631 + 531 = 54162
Step 103: 54162 + 531 = 54693
Step 104: 54693 + 531 = 55224
Step 105: 55224 + 531 = 55755
Step 106: 55755 + 531 = 56286
Step 107: 56286 + 531 = 56817
Step 108: 56817 + 531 = 57348
Step 109: 57348 + 531 = 57879
Step 110: 57879 + 531 = 58410
Step 111: 58410 + 531 = 58941
Step 112: 58941 + 531 = 59472
Step 113: 59472 + 531 = 60003
Step 114: 60003 + 531 = 60534
Step 115: 60534 + 531 = 61065
Step 116: 61065 + 531 = 61596
Step 117: 61596 + 531 = 62127
Step 118: 62127 + 531 = 62658
Step 119: 62658 + 531 = 63189
Step 120: 63189 + 531 = 63720
Step 121: 63720 + 531 = 64251
Step 122: 64251 + 531 = 64782
Step 123: 64782 + 531 = 65313
Step 124: 65313 + 531 = 65844
Step 125: 65844 + 531 = 66375
Step 126: 66375 + 531 = 66906
Step 127: 66906 + 531 = 67437
Step 128: 67437 + 531 = 67968
Step 129: 67968 + 531 = 68499
Step 130: 68499 + 531 = 69030
Step 131: 69030 + 531 = 69561
Step 132: 69561 + 531 = 70092
Step 133: 70092 + 531 = 70623
Step 134: 70623 + 531 = 71154
Step 135: 71154 + 531 = 71685
Step 136: 71685 + 531 = 72216
Step 137: 72216 + 531 = 72747
Step 138: 72747 + 531 = 73278
Step 139: 73278 + 531 = 73809
Step 140: 73809 + 531 = 74340
Step 141: 74340 + 531 = 74871
Step 142: 74871 + 531 = 75402
Step 143: 75402 + 531 = 75933
Step 144: 75933 + 531 = 76464
Step 145: 76464 + 531 = 76995
Step 146: 76995 + 531 = 77526
Step 147: 77526 + 531 = 78057
Step 148: 78057 + 531 = 78588
Step 149: 78588 + 531 = 79119
Step 150: 79119 + 531 = 79650
Step 151: 79650 + 531 = 80181
Step 152: 80181 + 531 = 80712
Step 153: 80712 + 531 = 81243
Step 154: 81243 + 531 = 81774
Step 155: 81774 + 531 = 82305
Step 156: 82305 + 531 = 82836
Step 157: 82836 + 531 = 83367
Step 158: 83367 + 531 = 83898
Step 159: 83898 + 531 = 84429
Step 160: 84429 + 531 = 84960
Step 161: 84960 + 531 = 85491
Step 162: 85491 + 531 = 86022
Step 163: 86022 + 531 = 86553
Step 164: 86553 + 531 = 87084
Step 165: 87084 + 531 = 87615
Step 166: 87615 + 531 = 88146
Step 167: 88146 + 531 = 88677
Step 168: 88677 + 531 = 89208
Step 169: 89208 + 531 = 89739
Step 170: 89739 + 531 = 90270
Step 171: 90270 + 531 = 90801
Step 172: 90801 + 531 = 91332
Step 173: 91332 + 531 = 91863
Step 174: 91863 + 531 = 92394
Step 175: 92394 + 531 = 92925
Step 176: 92925 + 531 = 93456
Step 177: 93456 + 531 = 93987
Step 178: 93987 + 531 = 94518
Step 179: 94518 + 531 = 95049
Step 180: 95049 + 531 = 95580
Step 181: 95580 + 531 = 96111
Step 182: 96111 + 531 = 96642
Step 183: 96642 + 531 = 97173
Step 184: 97173 + 531 = 97704
Step 185: 97704 + 531 = 98235
Step 186: 98235 + 531 = 98766
Step 187: 98766 + 531 = 99297
Step 188: 99297 + 531 = 99828
Step 189: 99828 + 531 = 100359
Step 190: 100359 + 531 = 100890
Step 191: 100890 + 531 = 101421
Step 192: 101421 + 531 = 101952
Step 193: 101952 + 531 = 102483
Step 194: 102483 + 531 = 103014

So, 531*194 = 103014