Alright, let's work through 4820 times 4138 step by step
4820 × 4138 = 4138 × (4820)
+ 4138 × 0 giving us 0
+ 4138 × 20 that is equal 82760
+ 4138 × 800 producing 3310400
+ 4138 × 4000 that is equal 16552000

= 19945160
