OK, let's work through this together. We're starting with 145 and we're going to multiply it by 196, which means we add 145 to itself 196 times.
Step 1: 0 + 145 = 145
Step 2: 145 + 145 = 290
Step 3: 290 + 145 = 435
Step 4: 435 + 145 = 580
Step 5: 580 + 145 = 725
Step 6: 725 + 145 = 870
Step 7: 870 + 145 = 1015
Step 8: 1015 + 145 = 1160
Step 9: 1160 + 145 = 1305
Step 10: 1305 + 145 = 1450
Step 11: 1450 + 145 = 1595
Step 12: 1595 + 145 = 1740
Step 13: 1740 + 145 = 1885
Step 14: 1885 + 145 = 2030
Step 15: 2030 + 145 = 2175
Step 16: 2175 + 145 = 2320
Step 17: 2320 + 145 = 2465
Step 18: 2465 + 145 = 2610
Step 19: 2610 + 145 = 2755
Step 20: 2755 + 145 = 2900
Step 21: 2900 + 145 = 3045
Step 22: 3045 + 145 = 3190
Step 23: 3190 + 145 = 3335
Step 24: 3335 + 145 = 3480
Step 25: 3480 + 145 = 3625
Step 26: 3625 + 145 = 3770
Step 27: 3770 + 145 = 3915
Step 28: 3915 + 145 = 4060
Step 29: 4060 + 145 = 4205
Step 30: 4205 + 145 = 4350
Step 31: 4350 + 145 = 4495
Step 32: 4495 + 145 = 4640
Step 33: 4640 + 145 = 4785
Step 34: 4785 + 145 = 4930
Step 35: 4930 + 145 = 5075
Step 36: 5075 + 145 = 5220
Step 37: 5220 + 145 = 5365
Step 38: 5365 + 145 = 5510
Step 39: 5510 + 145 = 5655
Step 40: 5655 + 145 = 5800
Step 41: 5800 + 145 = 5945
Step 42: 5945 + 145 = 6090
Step 43: 6090 + 145 = 6235
Step 44: 6235 + 145 = 6380
Step 45: 6380 + 145 = 6525
Step 46: 6525 + 145 = 6670
Step 47: 6670 + 145 = 6815
Step 48: 6815 + 145 = 6960
Step 49: 6960 + 145 = 7105
Step 50: 7105 + 145 = 7250
Step 51: 7250 + 145 = 7395
Step 52: 7395 + 145 = 7540
Step 53: 7540 + 145 = 7685
Step 54: 7685 + 145 = 7830
Step 55: 7830 + 145 = 7975
Step 56: 7975 + 145 = 8120
Step 57: 8120 + 145 = 8265
Step 58: 8265 + 145 = 8410
Step 59: 8410 + 145 = 8555
Step 60: 8555 + 145 = 8700
Step 61: 8700 + 145 = 8845
Step 62: 8845 + 145 = 8990
Step 63: 8990 + 145 = 9135
Step 64: 9135 + 145 = 9280
Step 65: 9280 + 145 = 9425
Step 66: 9425 + 145 = 9570
Step 67: 9570 + 145 = 9715
Step 68: 9715 + 145 = 9860
Step 69: 9860 + 145 = 10005
Step 70: 10005 + 145 = 10150
Step 71: 10150 + 145 = 10295
Step 72: 10295 + 145 = 10440
Step 73: 10440 + 145 = 10585
Step 74: 10585 + 145 = 10730
Step 75: 10730 + 145 = 10875
Step 76: 10875 + 145 = 11020
Step 77: 11020 + 145 = 11165
Step 78: 11165 + 145 = 11310
Step 79: 11310 + 145 = 11455
Step 80: 11455 + 145 = 11600
Step 81: 11600 + 145 = 11745
Step 82: 11745 + 145 = 11890
Step 83: 11890 + 145 = 12035
Step 84: 12035 + 145 = 12180
Step 85: 12180 + 145 = 12325
Step 86: 12325 + 145 = 12470
Step 87: 12470 + 145 = 12615
Step 88: 12615 + 145 = 12760
Step 89: 12760 + 145 = 12905
Step 90: 12905 + 145 = 13050
Step 91: 13050 + 145 = 13195
Step 92: 13195 + 145 = 13340
Step 93: 13340 + 145 = 13485
Step 94: 13485 + 145 = 13630
Step 95: 13630 + 145 = 13775
Step 96: 13775 + 145 = 13920
Step 97: 13920 + 145 = 14065
Step 98: 14065 + 145 = 14210
Step 99: 14210 + 145 = 14355
Step 100: 14355 + 145 = 14500
Step 101: 14500 + 145 = 14645
Step 102: 14645 + 145 = 14790
Step 103: 14790 + 145 = 14935
Step 104: 14935 + 145 = 15080
Step 105: 15080 + 145 = 15225
Step 106: 15225 + 145 = 15370
Step 107: 15370 + 145 = 15515
Step 108: 15515 + 145 = 15660
Step 109: 15660 + 145 = 15805
Step 110: 15805 + 145 = 15950
Step 111: 15950 + 145 = 16095
Step 112: 16095 + 145 = 16240
Step 113: 16240 + 145 = 16385
Step 114: 16385 + 145 = 16530
Step 115: 16530 + 145 = 16675
Step 116: 16675 + 145 = 16820
Step 117: 16820 + 145 = 16965
Step 118: 16965 + 145 = 17110
Step 119: 17110 + 145 = 17255
Step 120: 17255 + 145 = 17400
Step 121: 17400 + 145 = 17545
Step 122: 17545 + 145 = 17690
Step 123: 17690 + 145 = 17835
Step 124: 17835 + 145 = 17980
Step 125: 17980 + 145 = 18125
Step 126: 18125 + 145 = 18270
Step 127: 18270 + 145 = 18415
Step 128: 18415 + 145 = 18560
Step 129: 18560 + 145 = 18705
Step 130: 18705 + 145 = 18850
Step 131: 18850 + 145 = 18995
Step 132: 18995 + 145 = 19140
Step 133: 19140 + 145 = 19285
Step 134: 19285 + 145 = 19430
Step 135: 19430 + 145 = 19575
Step 136: 19575 + 145 = 19720
Step 137: 19720 + 145 = 19865
Step 138: 19865 + 145 = 20010
Step 139: 20010 + 145 = 20155
Step 140: 20155 + 145 = 20300
Step 141: 20300 + 145 = 20445
Step 142: 20445 + 145 = 20590
Step 143: 20590 + 145 = 20735
Step 144: 20735 + 145 = 20880
Step 145: 20880 + 145 = 21025
Step 146: 21025 + 145 = 21170
Step 147: 21170 + 145 = 21315
Step 148: 21315 + 145 = 21460
Step 149: 21460 + 145 = 21605
Step 150: 21605 + 145 = 21750
Step 151: 21750 + 145 = 21895
Step 152: 21895 + 145 = 22040
Step 153: 22040 + 145 = 22185
Step 154: 22185 + 145 = 22330
Step 155: 22330 + 145 = 22475
Step 156: 22475 + 145 = 22620
Step 157: 22620 + 145 = 22765
Step 158: 22765 + 145 = 22910
Step 159: 22910 + 145 = 23055
Step 160: 23055 + 145 = 23200
Step 161: 23200 + 145 = 23345
Step 162: 23345 + 145 = 23490
Step 163: 23490 + 145 = 23635
Step 164: 23635 + 145 = 23780
Step 165: 23780 + 145 = 23925
Step 166: 23925 + 145 = 24070
Step 167: 24070 + 145 = 24215
Step 168: 24215 + 145 = 24360
Step 169: 24360 + 145 = 24505
Step 170: 24505 + 145 = 24650
Step 171: 24650 + 145 = 24795
Step 172: 24795 + 145 = 24940
Step 173: 24940 + 145 = 25085
Step 174: 25085 + 145 = 25230
Step 175: 25230 + 145 = 25375
Step 176: 25375 + 145 = 25520
Step 177: 25520 + 145 = 25665
Step 178: 25665 + 145 = 25810
Step 179: 25810 + 145 = 25955
Step 180: 25955 + 145 = 26100
Step 181: 26100 + 145 = 26245
Step 182: 26245 + 145 = 26390
Step 183: 26390 + 145 = 26535
Step 184: 26535 + 145 = 26680
Step 185: 26680 + 145 = 26825
Step 186: 26825 + 145 = 26970
Step 187: 26970 + 145 = 27115
Step 188: 27115 + 145 = 27260
Step 189: 27260 + 145 = 27405
Step 190: 27405 + 145 = 27550
Step 191: 27550 + 145 = 27695
Step 192: 27695 + 145 = 27840
Step 193: 27840 + 145 = 27985
Step 194: 27985 + 145 = 28130
Step 195: 28130 + 145 = 28275
Step 196: 28275 + 145 = 28420

So, 145*196 = 28420