Let's roll up our sleeves and solve this. We have 816 and we're going to multiply it by 195, essentially adding 816 to itself 195 times.
Step 1: 0 + 816 = 816
Step 2: 816 + 816 = 1632
Step 3: 1632 + 816 = 2448
Step 4: 2448 + 816 = 3264
Step 5: 3264 + 816 = 4080
Step 6: 4080 + 816 = 4896
Step 7: 4896 + 816 = 5712
Step 8: 5712 + 816 = 6528
Step 9: 6528 + 816 = 7344
Step 10: 7344 + 816 = 8160
Step 11: 8160 + 816 = 8976
Step 12: 8976 + 816 = 9792
Step 13: 9792 + 816 = 10608
Step 14: 10608 + 816 = 11424
Step 15: 11424 + 816 = 12240
Step 16: 12240 + 816 = 13056
Step 17: 13056 + 816 = 13872
Step 18: 13872 + 816 = 14688
Step 19: 14688 + 816 = 15504
Step 20: 15504 + 816 = 16320
Step 21: 16320 + 816 = 17136
Step 22: 17136 + 816 = 17952
Step 23: 17952 + 816 = 18768
Step 24: 18768 + 816 = 19584
Step 25: 19584 + 816 = 20400
Step 26: 20400 + 816 = 21216
Step 27: 21216 + 816 = 22032
Step 28: 22032 + 816 = 22848
Step 29: 22848 + 816 = 23664
Step 30: 23664 + 816 = 24480
Step 31: 24480 + 816 = 25296
Step 32: 25296 + 816 = 26112
Step 33: 26112 + 816 = 26928
Step 34: 26928 + 816 = 27744
Step 35: 27744 + 816 = 28560
Step 36: 28560 + 816 = 29376
Step 37: 29376 + 816 = 30192
Step 38: 30192 + 816 = 31008
Step 39: 31008 + 816 = 31824
Step 40: 31824 + 816 = 32640
Step 41: 32640 + 816 = 33456
Step 42: 33456 + 816 = 34272
Step 43: 34272 + 816 = 35088
Step 44: 35088 + 816 = 35904
Step 45: 35904 + 816 = 36720
Step 46: 36720 + 816 = 37536
Step 47: 37536 + 816 = 38352
Step 48: 38352 + 816 = 39168
Step 49: 39168 + 816 = 39984
Step 50: 39984 + 816 = 40800
Step 51: 40800 + 816 = 41616
Step 52: 41616 + 816 = 42432
Step 53: 42432 + 816 = 43248
Step 54: 43248 + 816 = 44064
Step 55: 44064 + 816 = 44880
Step 56: 44880 + 816 = 45696
Step 57: 45696 + 816 = 46512
Step 58: 46512 + 816 = 47328
Step 59: 47328 + 816 = 48144
Step 60: 48144 + 816 = 48960
Step 61: 48960 + 816 = 49776
Step 62: 49776 + 816 = 50592
Step 63: 50592 + 816 = 51408
Step 64: 51408 + 816 = 52224
Step 65: 52224 + 816 = 53040
Step 66: 53040 + 816 = 53856
Step 67: 53856 + 816 = 54672
Step 68: 54672 + 816 = 55488
Step 69: 55488 + 816 = 56304
Step 70: 56304 + 816 = 57120
Step 71: 57120 + 816 = 57936
Step 72: 57936 + 816 = 58752
Step 73: 58752 + 816 = 59568
Step 74: 59568 + 816 = 60384
Step 75: 60384 + 816 = 61200
Step 76: 61200 + 816 = 62016
Step 77: 62016 + 816 = 62832
Step 78: 62832 + 816 = 63648
Step 79: 63648 + 816 = 64464
Step 80: 64464 + 816 = 65280
Step 81: 65280 + 816 = 66096
Step 82: 66096 + 816 = 66912
Step 83: 66912 + 816 = 67728
Step 84: 67728 + 816 = 68544
Step 85: 68544 + 816 = 69360
Step 86: 69360 + 816 = 70176
Step 87: 70176 + 816 = 70992
Step 88: 70992 + 816 = 71808
Step 89: 71808 + 816 = 72624
Step 90: 72624 + 816 = 73440
Step 91: 73440 + 816 = 74256
Step 92: 74256 + 816 = 75072
Step 93: 75072 + 816 = 75888
Step 94: 75888 + 816 = 76704
Step 95: 76704 + 816 = 77520
Step 96: 77520 + 816 = 78336
Step 97: 78336 + 816 = 79152
Step 98: 79152 + 816 = 79968
Step 99: 79968 + 816 = 80784
Step 100: 80784 + 816 = 81600
Step 101: 81600 + 816 = 82416
Step 102: 82416 + 816 = 83232
Step 103: 83232 + 816 = 84048
Step 104: 84048 + 816 = 84864
Step 105: 84864 + 816 = 85680
Step 106: 85680 + 816 = 86496
Step 107: 86496 + 816 = 87312
Step 108: 87312 + 816 = 88128
Step 109: 88128 + 816 = 88944
Step 110: 88944 + 816 = 89760
Step 111: 89760 + 816 = 90576
Step 112: 90576 + 816 = 91392
Step 113: 91392 + 816 = 92208
Step 114: 92208 + 816 = 93024
Step 115: 93024 + 816 = 93840
Step 116: 93840 + 816 = 94656
Step 117: 94656 + 816 = 95472
Step 118: 95472 + 816 = 96288
Step 119: 96288 + 816 = 97104
Step 120: 97104 + 816 = 97920
Step 121: 97920 + 816 = 98736
Step 122: 98736 + 816 = 99552
Step 123: 99552 + 816 = 100368
Step 124: 100368 + 816 = 101184
Step 125: 101184 + 816 = 102000
Step 126: 102000 + 816 = 102816
Step 127: 102816 + 816 = 103632
Step 128: 103632 + 816 = 104448
Step 129: 104448 + 816 = 105264
Step 130: 105264 + 816 = 106080
Step 131: 106080 + 816 = 106896
Step 132: 106896 + 816 = 107712
Step 133: 107712 + 816 = 108528
Step 134: 108528 + 816 = 109344
Step 135: 109344 + 816 = 110160
Step 136: 110160 + 816 = 110976
Step 137: 110976 + 816 = 111792
Step 138: 111792 + 816 = 112608
Step 139: 112608 + 816 = 113424
Step 140: 113424 + 816 = 114240
Step 141: 114240 + 816 = 115056
Step 142: 115056 + 816 = 115872
Step 143: 115872 + 816 = 116688
Step 144: 116688 + 816 = 117504
Step 145: 117504 + 816 = 118320
Step 146: 118320 + 816 = 119136
Step 147: 119136 + 816 = 119952
Step 148: 119952 + 816 = 120768
Step 149: 120768 + 816 = 121584
Step 150: 121584 + 816 = 122400
Step 151: 122400 + 816 = 123216
Step 152: 123216 + 816 = 124032
Step 153: 124032 + 816 = 124848
Step 154: 124848 + 816 = 125664
Step 155: 125664 + 816 = 126480
Step 156: 126480 + 816 = 127296
Step 157: 127296 + 816 = 128112
Step 158: 128112 + 816 = 128928
Step 159: 128928 + 816 = 129744
Step 160: 129744 + 816 = 130560
Step 161: 130560 + 816 = 131376
Step 162: 131376 + 816 = 132192
Step 163: 132192 + 816 = 133008
Step 164: 133008 + 816 = 133824
Step 165: 133824 + 816 = 134640
Step 166: 134640 + 816 = 135456
Step 167: 135456 + 816 = 136272
Step 168: 136272 + 816 = 137088
Step 169: 137088 + 816 = 137904
Step 170: 137904 + 816 = 138720
Step 171: 138720 + 816 = 139536
Step 172: 139536 + 816 = 140352
Step 173: 140352 + 816 = 141168
Step 174: 141168 + 816 = 141984
Step 175: 141984 + 816 = 142800
Step 176: 142800 + 816 = 143616
Step 177: 143616 + 816 = 144432
Step 178: 144432 + 816 = 145248
Step 179: 145248 + 816 = 146064
Step 180: 146064 + 816 = 146880
Step 181: 146880 + 816 = 147696
Step 182: 147696 + 816 = 148512
Step 183: 148512 + 816 = 149328
Step 184: 149328 + 816 = 150144
Step 185: 150144 + 816 = 150960
Step 186: 150960 + 816 = 151776
Step 187: 151776 + 816 = 152592
Step 188: 152592 + 816 = 153408
Step 189: 153408 + 816 = 154224
Step 190: 154224 + 816 = 155040
Step 191: 155040 + 816 = 155856
Step 192: 155856 + 816 = 156672
Step 193: 156672 + 816 = 157488
Step 194: 157488 + 816 = 158304
Step 195: 158304 + 816 = 159120

So, 816*195 = 159120