Alright, let's work through 3820 times 4317 step by step
3820 × 4317 = 4317 × (3820)
+ 4317 × 0 resulting in 0
+ 4317 × 20 which equals 86340
+ 4317 × 800 which equals 3453600
+ 4317 × 3000 that results in 12951000

= 16490940
