Alright, let's work through 3260 times 3864 step by step
3260 × 3864 = 3864 × (3260)
+ 3864 × 0 that is equal 0
+ 3864 × 60 that results in 231840
+ 3864 × 200 that results in 772800
+ 3864 × 3000 yielding 11592000

= 12596640
