OK, let's work through this together. We're starting with 435 and we're going to multiply it by 195, which means we add 435 to itself 195 times.
Step 1: 0 + 435 = 435
Step 2: 435 + 435 = 870
Step 3: 870 + 435 = 1305
Step 4: 1305 + 435 = 1740
Step 5: 1740 + 435 = 2175
Step 6: 2175 + 435 = 2610
Step 7: 2610 + 435 = 3045
Step 8: 3045 + 435 = 3480
Step 9: 3480 + 435 = 3915
Step 10: 3915 + 435 = 4350
Step 11: 4350 + 435 = 4785
Step 12: 4785 + 435 = 5220
Step 13: 5220 + 435 = 5655
Step 14: 5655 + 435 = 6090
Step 15: 6090 + 435 = 6525
Step 16: 6525 + 435 = 6960
Step 17: 6960 + 435 = 7395
Step 18: 7395 + 435 = 7830
Step 19: 7830 + 435 = 8265
Step 20: 8265 + 435 = 8700
Step 21: 8700 + 435 = 9135
Step 22: 9135 + 435 = 9570
Step 23: 9570 + 435 = 10005
Step 24: 10005 + 435 = 10440
Step 25: 10440 + 435 = 10875
Step 26: 10875 + 435 = 11310
Step 27: 11310 + 435 = 11745
Step 28: 11745 + 435 = 12180
Step 29: 12180 + 435 = 12615
Step 30: 12615 + 435 = 13050
Step 31: 13050 + 435 = 13485
Step 32: 13485 + 435 = 13920
Step 33: 13920 + 435 = 14355
Step 34: 14355 + 435 = 14790
Step 35: 14790 + 435 = 15225
Step 36: 15225 + 435 = 15660
Step 37: 15660 + 435 = 16095
Step 38: 16095 + 435 = 16530
Step 39: 16530 + 435 = 16965
Step 40: 16965 + 435 = 17400
Step 41: 17400 + 435 = 17835
Step 42: 17835 + 435 = 18270
Step 43: 18270 + 435 = 18705
Step 44: 18705 + 435 = 19140
Step 45: 19140 + 435 = 19575
Step 46: 19575 + 435 = 20010
Step 47: 20010 + 435 = 20445
Step 48: 20445 + 435 = 20880
Step 49: 20880 + 435 = 21315
Step 50: 21315 + 435 = 21750
Step 51: 21750 + 435 = 22185
Step 52: 22185 + 435 = 22620
Step 53: 22620 + 435 = 23055
Step 54: 23055 + 435 = 23490
Step 55: 23490 + 435 = 23925
Step 56: 23925 + 435 = 24360
Step 57: 24360 + 435 = 24795
Step 58: 24795 + 435 = 25230
Step 59: 25230 + 435 = 25665
Step 60: 25665 + 435 = 26100
Step 61: 26100 + 435 = 26535
Step 62: 26535 + 435 = 26970
Step 63: 26970 + 435 = 27405
Step 64: 27405 + 435 = 27840
Step 65: 27840 + 435 = 28275
Step 66: 28275 + 435 = 28710
Step 67: 28710 + 435 = 29145
Step 68: 29145 + 435 = 29580
Step 69: 29580 + 435 = 30015
Step 70: 30015 + 435 = 30450
Step 71: 30450 + 435 = 30885
Step 72: 30885 + 435 = 31320
Step 73: 31320 + 435 = 31755
Step 74: 31755 + 435 = 32190
Step 75: 32190 + 435 = 32625
Step 76: 32625 + 435 = 33060
Step 77: 33060 + 435 = 33495
Step 78: 33495 + 435 = 33930
Step 79: 33930 + 435 = 34365
Step 80: 34365 + 435 = 34800
Step 81: 34800 + 435 = 35235
Step 82: 35235 + 435 = 35670
Step 83: 35670 + 435 = 36105
Step 84: 36105 + 435 = 36540
Step 85: 36540 + 435 = 36975
Step 86: 36975 + 435 = 37410
Step 87: 37410 + 435 = 37845
Step 88: 37845 + 435 = 38280
Step 89: 38280 + 435 = 38715
Step 90: 38715 + 435 = 39150
Step 91: 39150 + 435 = 39585
Step 92: 39585 + 435 = 40020
Step 93: 40020 + 435 = 40455
Step 94: 40455 + 435 = 40890
Step 95: 40890 + 435 = 41325
Step 96: 41325 + 435 = 41760
Step 97: 41760 + 435 = 42195
Step 98: 42195 + 435 = 42630
Step 99: 42630 + 435 = 43065
Step 100: 43065 + 435 = 43500
Step 101: 43500 + 435 = 43935
Step 102: 43935 + 435 = 44370
Step 103: 44370 + 435 = 44805
Step 104: 44805 + 435 = 45240
Step 105: 45240 + 435 = 45675
Step 106: 45675 + 435 = 46110
Step 107: 46110 + 435 = 46545
Step 108: 46545 + 435 = 46980
Step 109: 46980 + 435 = 47415
Step 110: 47415 + 435 = 47850
Step 111: 47850 + 435 = 48285
Step 112: 48285 + 435 = 48720
Step 113: 48720 + 435 = 49155
Step 114: 49155 + 435 = 49590
Step 115: 49590 + 435 = 50025
Step 116: 50025 + 435 = 50460
Step 117: 50460 + 435 = 50895
Step 118: 50895 + 435 = 51330
Step 119: 51330 + 435 = 51765
Step 120: 51765 + 435 = 52200
Step 121: 52200 + 435 = 52635
Step 122: 52635 + 435 = 53070
Step 123: 53070 + 435 = 53505
Step 124: 53505 + 435 = 53940
Step 125: 53940 + 435 = 54375
Step 126: 54375 + 435 = 54810
Step 127: 54810 + 435 = 55245
Step 128: 55245 + 435 = 55680
Step 129: 55680 + 435 = 56115
Step 130: 56115 + 435 = 56550
Step 131: 56550 + 435 = 56985
Step 132: 56985 + 435 = 57420
Step 133: 57420 + 435 = 57855
Step 134: 57855 + 435 = 58290
Step 135: 58290 + 435 = 58725
Step 136: 58725 + 435 = 59160
Step 137: 59160 + 435 = 59595
Step 138: 59595 + 435 = 60030
Step 139: 60030 + 435 = 60465
Step 140: 60465 + 435 = 60900
Step 141: 60900 + 435 = 61335
Step 142: 61335 + 435 = 61770
Step 143: 61770 + 435 = 62205
Step 144: 62205 + 435 = 62640
Step 145: 62640 + 435 = 63075
Step 146: 63075 + 435 = 63510
Step 147: 63510 + 435 = 63945
Step 148: 63945 + 435 = 64380
Step 149: 64380 + 435 = 64815
Step 150: 64815 + 435 = 65250
Step 151: 65250 + 435 = 65685
Step 152: 65685 + 435 = 66120
Step 153: 66120 + 435 = 66555
Step 154: 66555 + 435 = 66990
Step 155: 66990 + 435 = 67425
Step 156: 67425 + 435 = 67860
Step 157: 67860 + 435 = 68295
Step 158: 68295 + 435 = 68730
Step 159: 68730 + 435 = 69165
Step 160: 69165 + 435 = 69600
Step 161: 69600 + 435 = 70035
Step 162: 70035 + 435 = 70470
Step 163: 70470 + 435 = 70905
Step 164: 70905 + 435 = 71340
Step 165: 71340 + 435 = 71775
Step 166: 71775 + 435 = 72210
Step 167: 72210 + 435 = 72645
Step 168: 72645 + 435 = 73080
Step 169: 73080 + 435 = 73515
Step 170: 73515 + 435 = 73950
Step 171: 73950 + 435 = 74385
Step 172: 74385 + 435 = 74820
Step 173: 74820 + 435 = 75255
Step 174: 75255 + 435 = 75690
Step 175: 75690 + 435 = 76125
Step 176: 76125 + 435 = 76560
Step 177: 76560 + 435 = 76995
Step 178: 76995 + 435 = 77430
Step 179: 77430 + 435 = 77865
Step 180: 77865 + 435 = 78300
Step 181: 78300 + 435 = 78735
Step 182: 78735 + 435 = 79170
Step 183: 79170 + 435 = 79605
Step 184: 79605 + 435 = 80040
Step 185: 80040 + 435 = 80475
Step 186: 80475 + 435 = 80910
Step 187: 80910 + 435 = 81345
Step 188: 81345 + 435 = 81780
Step 189: 81780 + 435 = 82215
Step 190: 82215 + 435 = 82650
Step 191: 82650 + 435 = 83085
Step 192: 83085 + 435 = 83520
Step 193: 83520 + 435 = 83955
Step 194: 83955 + 435 = 84390
Step 195: 84390 + 435 = 84825

So, 435*195 = 84825