Alright, let's work through 3281 times 9737 step by step
3281 × 9737 = 9737 × (3281)
+ 9737 × 1 what gives us 9737
+ 9737 × 80 that equals 778960
+ 9737 × 200 giving us 1947400
+ 9737 × 3000 that equals 29211000

= 31947097
