Alright, let's work through 9920 times 976 step by step
9920 × 976 = 976 × (9920)
+ 976 × 0 yielding 0
+ 976 × 20 that equals 19520
+ 976 × 900 yielding 878400
+ 976 × 9000 giving us 8784000

= 9681920
