Alright, let's work through 3921 times 9736 step by step
3921 × 9736 = 9736 × (3921)
+ 9736 × 1 that results in 9736
+ 9736 × 20 that equals 194720
+ 9736 × 900 giving us 8762400
+ 9736 × 3000 that results in 29208000

= 38174856
