Alright, let's work through 3940 times 4954 step by step
3940 × 4954 = 4954 × (3940)
+ 4954 × 0 resulting in 0
+ 4954 × 40 that is equal 198160
+ 4954 × 900 yielding 4458600
+ 4954 × 3000 what gives us 14862000

= 19518760
