Alright, let's work through 9645 times 9909 step by step
9645 × 9909 = 9909 × (9645)
+ 9909 × 5 yielding 49545
+ 9909 × 40 producing 396360
+ 9909 × 600 which equals 5945400
+ 9909 × 9000 yielding 89181000

= 95572305
