Alright, let's work through 9863 times 3195 step by step
9863 × 3195 = 3195 × (9863)
+ 3195 × 3 giving us 9585
+ 3195 × 60 giving us 191700
+ 3195 × 800 that equals 2556000
+ 3195 × 9000 that results in 28755000

= 31512285
