Alright, let's work through 3912 times 5038 step by step
3912 × 5038 = 5038 × (3912)
+ 5038 × 2 giving us 10076
+ 5038 × 10 which equals 50380
+ 5038 × 900 that is equal 4534200
+ 5038 × 3000 what gives us 15114000

= 19708656
