Sure thing! We've got 195 and we're gonna multiply it by 109. That's the same as adding 195 to itself 109 times.
Step 1: 0 + 195 = 195
Step 2: 195 + 195 = 390
Step 3: 390 + 195 = 585
Step 4: 585 + 195 = 780
Step 5: 780 + 195 = 975
Step 6: 975 + 195 = 1170
Step 7: 1170 + 195 = 1365
Step 8: 1365 + 195 = 1560
Step 9: 1560 + 195 = 1755
Step 10: 1755 + 195 = 1950
Step 11: 1950 + 195 = 2145
Step 12: 2145 + 195 = 2340
Step 13: 2340 + 195 = 2535
Step 14: 2535 + 195 = 2730
Step 15: 2730 + 195 = 2925
Step 16: 2925 + 195 = 3120
Step 17: 3120 + 195 = 3315
Step 18: 3315 + 195 = 3510
Step 19: 3510 + 195 = 3705
Step 20: 3705 + 195 = 3900
Step 21: 3900 + 195 = 4095
Step 22: 4095 + 195 = 4290
Step 23: 4290 + 195 = 4485
Step 24: 4485 + 195 = 4680
Step 25: 4680 + 195 = 4875
Step 26: 4875 + 195 = 5070
Step 27: 5070 + 195 = 5265
Step 28: 5265 + 195 = 5460
Step 29: 5460 + 195 = 5655
Step 30: 5655 + 195 = 5850
Step 31: 5850 + 195 = 6045
Step 32: 6045 + 195 = 6240
Step 33: 6240 + 195 = 6435
Step 34: 6435 + 195 = 6630
Step 35: 6630 + 195 = 6825
Step 36: 6825 + 195 = 7020
Step 37: 7020 + 195 = 7215
Step 38: 7215 + 195 = 7410
Step 39: 7410 + 195 = 7605
Step 40: 7605 + 195 = 7800
Step 41: 7800 + 195 = 7995
Step 42: 7995 + 195 = 8190
Step 43: 8190 + 195 = 8385
Step 44: 8385 + 195 = 8580
Step 45: 8580 + 195 = 8775
Step 46: 8775 + 195 = 8970
Step 47: 8970 + 195 = 9165
Step 48: 9165 + 195 = 9360
Step 49: 9360 + 195 = 9555
Step 50: 9555 + 195 = 9750
Step 51: 9750 + 195 = 9945
Step 52: 9945 + 195 = 10140
Step 53: 10140 + 195 = 10335
Step 54: 10335 + 195 = 10530
Step 55: 10530 + 195 = 10725
Step 56: 10725 + 195 = 10920
Step 57: 10920 + 195 = 11115
Step 58: 11115 + 195 = 11310
Step 59: 11310 + 195 = 11505
Step 60: 11505 + 195 = 11700
Step 61: 11700 + 195 = 11895
Step 62: 11895 + 195 = 12090
Step 63: 12090 + 195 = 12285
Step 64: 12285 + 195 = 12480
Step 65: 12480 + 195 = 12675
Step 66: 12675 + 195 = 12870
Step 67: 12870 + 195 = 13065
Step 68: 13065 + 195 = 13260
Step 69: 13260 + 195 = 13455
Step 70: 13455 + 195 = 13650
Step 71: 13650 + 195 = 13845
Step 72: 13845 + 195 = 14040
Step 73: 14040 + 195 = 14235
Step 74: 14235 + 195 = 14430
Step 75: 14430 + 195 = 14625
Step 76: 14625 + 195 = 14820
Step 77: 14820 + 195 = 15015
Step 78: 15015 + 195 = 15210
Step 79: 15210 + 195 = 15405
Step 80: 15405 + 195 = 15600
Step 81: 15600 + 195 = 15795
Step 82: 15795 + 195 = 15990
Step 83: 15990 + 195 = 16185
Step 84: 16185 + 195 = 16380
Step 85: 16380 + 195 = 16575
Step 86: 16575 + 195 = 16770
Step 87: 16770 + 195 = 16965
Step 88: 16965 + 195 = 17160
Step 89: 17160 + 195 = 17355
Step 90: 17355 + 195 = 17550
Step 91: 17550 + 195 = 17745
Step 92: 17745 + 195 = 17940
Step 93: 17940 + 195 = 18135
Step 94: 18135 + 195 = 18330
Step 95: 18330 + 195 = 18525
Step 96: 18525 + 195 = 18720
Step 97: 18720 + 195 = 18915
Step 98: 18915 + 195 = 19110
Step 99: 19110 + 195 = 19305
Step 100: 19305 + 195 = 19500
Step 101: 19500 + 195 = 19695
Step 102: 19695 + 195 = 19890
Step 103: 19890 + 195 = 20085
Step 104: 20085 + 195 = 20280
Step 105: 20280 + 195 = 20475
Step 106: 20475 + 195 = 20670
Step 107: 20670 + 195 = 20865
Step 108: 20865 + 195 = 21060
Step 109: 21060 + 195 = 21255

So, 195*109 = 21255