Alright, let's work through 9928 times 9197 step by step
9928 × 9197 = 9197 × (9928)
+ 9197 × 8 yielding 73576
+ 9197 × 20 what gives us 183940
+ 9197 × 900 that equals 8277300
+ 9197 × 9000 producing 82773000

= 91307816
