Alright, let's work through 1960 times 4995 step by step
1960 × 4995 = 4995 × (1960)
+ 4995 × 0 that equals 0
+ 4995 × 60 which equals 299700
+ 4995 × 900 that is equal 4495500
+ 4995 × 1000 resulting in 4995000

= 9790200
