Alright, let's work through 3220 times 9961 step by step
3220 × 9961 = 9961 × (3220)
+ 9961 × 0 that results in 0
+ 9961 × 20 that results in 199220
+ 9961 × 200 that is equal 1992200
+ 9961 × 3000 yielding 29883000

= 32074420
