Alright, let's work through 3950 times 9820 step by step
3950 × 9820 = 9820 × (3950)
+ 9820 × 0 giving us 0
+ 9820 × 50 which equals 491000
+ 9820 × 900 yielding 8838000
+ 9820 × 3000 that is equal 29460000

= 38789000
