Alright, let's work through 9939 times 9762 step by step
9939 × 9762 = 9762 × (9939)
+ 9762 × 9 giving us 87858
+ 9762 × 30 giving us 292860
+ 9762 × 900 yielding 8785800
+ 9762 × 9000 giving us 87858000

= 97024518
