Alright, let's work through 1964 times 6541 step by step
1964 × 6541 = 6541 × (1964)
+ 6541 × 4 that equals 26164
+ 6541 × 60 what gives us 392460
+ 6541 × 900 that is equal 5886900
+ 6541 × 1000 producing 6541000

= 12846524
