Let's roll up our sleeves and solve this. We have 963 and we're going to multiply it by 28, essentially adding 963 to itself 28 times.
Step 1: 0 + 963 = 963
Step 2: 963 + 963 = 1926
Step 3: 1926 + 963 = 2889
Step 4: 2889 + 963 = 3852
Step 5: 3852 + 963 = 4815
Step 6: 4815 + 963 = 5778
Step 7: 5778 + 963 = 6741
Step 8: 6741 + 963 = 7704
Step 9: 7704 + 963 = 8667
Step 10: 8667 + 963 = 9630
Step 11: 9630 + 963 = 10593
Step 12: 10593 + 963 = 11556
Step 13: 11556 + 963 = 12519
Step 14: 12519 + 963 = 13482
Step 15: 13482 + 963 = 14445
Step 16: 14445 + 963 = 15408
Step 17: 15408 + 963 = 16371
Step 18: 16371 + 963 = 17334
Step 19: 17334 + 963 = 18297
Step 20: 18297 + 963 = 19260
Step 21: 19260 + 963 = 20223
Step 22: 20223 + 963 = 21186
Step 23: 21186 + 963 = 22149
Step 24: 22149 + 963 = 23112
Step 25: 23112 + 963 = 24075
Step 26: 24075 + 963 = 25038
Step 27: 25038 + 963 = 26001
Step 28: 26001 + 963 = 26964

So, 963*28 = 26964