Alright, let's work through 3194 times 9860 step by step
3194 × 9860 = 9860 × (3194)
+ 9860 × 4 which equals 39440
+ 9860 × 90 which equals 887400
+ 9860 × 100 what gives us 986000
+ 9860 × 3000 what gives us 29580000

= 31492840
