Alright, let's work through 9940 times 8816 step by step
9940 × 8816 = 8816 × (9940)
+ 8816 × 0 resulting in 0
+ 8816 × 40 that is equal 352640
+ 8816 × 900 that is equal 7934400
+ 8816 × 9000 that equals 79344000

= 87631040
