Alright, let's work through 9860 times 1278 step by step
9860 × 1278 = 1278 × (9860)
+ 1278 × 0 yielding 0
+ 1278 × 60 producing 76680
+ 1278 × 800 producing 1022400
+ 1278 × 9000 giving us 11502000

= 12601080
