Alright, let's work through 9828 times 9961 step by step
9828 × 9961 = 9961 × (9828)
+ 9961 × 8 that equals 79688
+ 9961 × 20 that is equal 199220
+ 9961 × 800 giving us 7968800
+ 9961 × 9000 producing 89649000

= 97896708
