OK, let's crack this. We're given 523 and our task is to multiply it by 194. Essentially, we'll be adding 523 to itself 194 times.
Step 1: 0 + 523 = 523
Step 2: 523 + 523 = 1046
Step 3: 1046 + 523 = 1569
Step 4: 1569 + 523 = 2092
Step 5: 2092 + 523 = 2615
Step 6: 2615 + 523 = 3138
Step 7: 3138 + 523 = 3661
Step 8: 3661 + 523 = 4184
Step 9: 4184 + 523 = 4707
Step 10: 4707 + 523 = 5230
Step 11: 5230 + 523 = 5753
Step 12: 5753 + 523 = 6276
Step 13: 6276 + 523 = 6799
Step 14: 6799 + 523 = 7322
Step 15: 7322 + 523 = 7845
Step 16: 7845 + 523 = 8368
Step 17: 8368 + 523 = 8891
Step 18: 8891 + 523 = 9414
Step 19: 9414 + 523 = 9937
Step 20: 9937 + 523 = 10460
Step 21: 10460 + 523 = 10983
Step 22: 10983 + 523 = 11506
Step 23: 11506 + 523 = 12029
Step 24: 12029 + 523 = 12552
Step 25: 12552 + 523 = 13075
Step 26: 13075 + 523 = 13598
Step 27: 13598 + 523 = 14121
Step 28: 14121 + 523 = 14644
Step 29: 14644 + 523 = 15167
Step 30: 15167 + 523 = 15690
Step 31: 15690 + 523 = 16213
Step 32: 16213 + 523 = 16736
Step 33: 16736 + 523 = 17259
Step 34: 17259 + 523 = 17782
Step 35: 17782 + 523 = 18305
Step 36: 18305 + 523 = 18828
Step 37: 18828 + 523 = 19351
Step 38: 19351 + 523 = 19874
Step 39: 19874 + 523 = 20397
Step 40: 20397 + 523 = 20920
Step 41: 20920 + 523 = 21443
Step 42: 21443 + 523 = 21966
Step 43: 21966 + 523 = 22489
Step 44: 22489 + 523 = 23012
Step 45: 23012 + 523 = 23535
Step 46: 23535 + 523 = 24058
Step 47: 24058 + 523 = 24581
Step 48: 24581 + 523 = 25104
Step 49: 25104 + 523 = 25627
Step 50: 25627 + 523 = 26150
Step 51: 26150 + 523 = 26673
Step 52: 26673 + 523 = 27196
Step 53: 27196 + 523 = 27719
Step 54: 27719 + 523 = 28242
Step 55: 28242 + 523 = 28765
Step 56: 28765 + 523 = 29288
Step 57: 29288 + 523 = 29811
Step 58: 29811 + 523 = 30334
Step 59: 30334 + 523 = 30857
Step 60: 30857 + 523 = 31380
Step 61: 31380 + 523 = 31903
Step 62: 31903 + 523 = 32426
Step 63: 32426 + 523 = 32949
Step 64: 32949 + 523 = 33472
Step 65: 33472 + 523 = 33995
Step 66: 33995 + 523 = 34518
Step 67: 34518 + 523 = 35041
Step 68: 35041 + 523 = 35564
Step 69: 35564 + 523 = 36087
Step 70: 36087 + 523 = 36610
Step 71: 36610 + 523 = 37133
Step 72: 37133 + 523 = 37656
Step 73: 37656 + 523 = 38179
Step 74: 38179 + 523 = 38702
Step 75: 38702 + 523 = 39225
Step 76: 39225 + 523 = 39748
Step 77: 39748 + 523 = 40271
Step 78: 40271 + 523 = 40794
Step 79: 40794 + 523 = 41317
Step 80: 41317 + 523 = 41840
Step 81: 41840 + 523 = 42363
Step 82: 42363 + 523 = 42886
Step 83: 42886 + 523 = 43409
Step 84: 43409 + 523 = 43932
Step 85: 43932 + 523 = 44455
Step 86: 44455 + 523 = 44978
Step 87: 44978 + 523 = 45501
Step 88: 45501 + 523 = 46024
Step 89: 46024 + 523 = 46547
Step 90: 46547 + 523 = 47070
Step 91: 47070 + 523 = 47593
Step 92: 47593 + 523 = 48116
Step 93: 48116 + 523 = 48639
Step 94: 48639 + 523 = 49162
Step 95: 49162 + 523 = 49685
Step 96: 49685 + 523 = 50208
Step 97: 50208 + 523 = 50731
Step 98: 50731 + 523 = 51254
Step 99: 51254 + 523 = 51777
Step 100: 51777 + 523 = 52300
Step 101: 52300 + 523 = 52823
Step 102: 52823 + 523 = 53346
Step 103: 53346 + 523 = 53869
Step 104: 53869 + 523 = 54392
Step 105: 54392 + 523 = 54915
Step 106: 54915 + 523 = 55438
Step 107: 55438 + 523 = 55961
Step 108: 55961 + 523 = 56484
Step 109: 56484 + 523 = 57007
Step 110: 57007 + 523 = 57530
Step 111: 57530 + 523 = 58053
Step 112: 58053 + 523 = 58576
Step 113: 58576 + 523 = 59099
Step 114: 59099 + 523 = 59622
Step 115: 59622 + 523 = 60145
Step 116: 60145 + 523 = 60668
Step 117: 60668 + 523 = 61191
Step 118: 61191 + 523 = 61714
Step 119: 61714 + 523 = 62237
Step 120: 62237 + 523 = 62760
Step 121: 62760 + 523 = 63283
Step 122: 63283 + 523 = 63806
Step 123: 63806 + 523 = 64329
Step 124: 64329 + 523 = 64852
Step 125: 64852 + 523 = 65375
Step 126: 65375 + 523 = 65898
Step 127: 65898 + 523 = 66421
Step 128: 66421 + 523 = 66944
Step 129: 66944 + 523 = 67467
Step 130: 67467 + 523 = 67990
Step 131: 67990 + 523 = 68513
Step 132: 68513 + 523 = 69036
Step 133: 69036 + 523 = 69559
Step 134: 69559 + 523 = 70082
Step 135: 70082 + 523 = 70605
Step 136: 70605 + 523 = 71128
Step 137: 71128 + 523 = 71651
Step 138: 71651 + 523 = 72174
Step 139: 72174 + 523 = 72697
Step 140: 72697 + 523 = 73220
Step 141: 73220 + 523 = 73743
Step 142: 73743 + 523 = 74266
Step 143: 74266 + 523 = 74789
Step 144: 74789 + 523 = 75312
Step 145: 75312 + 523 = 75835
Step 146: 75835 + 523 = 76358
Step 147: 76358 + 523 = 76881
Step 148: 76881 + 523 = 77404
Step 149: 77404 + 523 = 77927
Step 150: 77927 + 523 = 78450
Step 151: 78450 + 523 = 78973
Step 152: 78973 + 523 = 79496
Step 153: 79496 + 523 = 80019
Step 154: 80019 + 523 = 80542
Step 155: 80542 + 523 = 81065
Step 156: 81065 + 523 = 81588
Step 157: 81588 + 523 = 82111
Step 158: 82111 + 523 = 82634
Step 159: 82634 + 523 = 83157
Step 160: 83157 + 523 = 83680
Step 161: 83680 + 523 = 84203
Step 162: 84203 + 523 = 84726
Step 163: 84726 + 523 = 85249
Step 164: 85249 + 523 = 85772
Step 165: 85772 + 523 = 86295
Step 166: 86295 + 523 = 86818
Step 167: 86818 + 523 = 87341
Step 168: 87341 + 523 = 87864
Step 169: 87864 + 523 = 88387
Step 170: 88387 + 523 = 88910
Step 171: 88910 + 523 = 89433
Step 172: 89433 + 523 = 89956
Step 173: 89956 + 523 = 90479
Step 174: 90479 + 523 = 91002
Step 175: 91002 + 523 = 91525
Step 176: 91525 + 523 = 92048
Step 177: 92048 + 523 = 92571
Step 178: 92571 + 523 = 93094
Step 179: 93094 + 523 = 93617
Step 180: 93617 + 523 = 94140
Step 181: 94140 + 523 = 94663
Step 182: 94663 + 523 = 95186
Step 183: 95186 + 523 = 95709
Step 184: 95709 + 523 = 96232
Step 185: 96232 + 523 = 96755
Step 186: 96755 + 523 = 97278
Step 187: 97278 + 523 = 97801
Step 188: 97801 + 523 = 98324
Step 189: 98324 + 523 = 98847
Step 190: 98847 + 523 = 99370
Step 191: 99370 + 523 = 99893
Step 192: 99893 + 523 = 100416
Step 193: 100416 + 523 = 100939
Step 194: 100939 + 523 = 101462

So, 523*194 = 101462