Let's roll up our sleeves and solve this. We have 95 and we're going to multiply it by 12, essentially adding 95 to itself 12 times.
Step 1: 0 + 95 = 95
Step 2: 95 + 95 = 190
Step 3: 190 + 95 = 285
Step 4: 285 + 95 = 380
Step 5: 380 + 95 = 475
Step 6: 475 + 95 = 570
Step 7: 570 + 95 = 665
Step 8: 665 + 95 = 760
Step 9: 760 + 95 = 855
Step 10: 855 + 95 = 950
Step 11: 950 + 95 = 1045
Step 12: 1045 + 95 = 1140

So, 95*12 = 1140