OK, let's crack this. We're given 228 and our task is to multiply it by 95. Essentially, we'll be adding 228 to itself 95 times.
Step 1: 0 + 228 = 228
Step 2: 228 + 228 = 456
Step 3: 456 + 228 = 684
Step 4: 684 + 228 = 912
Step 5: 912 + 228 = 1140
Step 6: 1140 + 228 = 1368
Step 7: 1368 + 228 = 1596
Step 8: 1596 + 228 = 1824
Step 9: 1824 + 228 = 2052
Step 10: 2052 + 228 = 2280
Step 11: 2280 + 228 = 2508
Step 12: 2508 + 228 = 2736
Step 13: 2736 + 228 = 2964
Step 14: 2964 + 228 = 3192
Step 15: 3192 + 228 = 3420
Step 16: 3420 + 228 = 3648
Step 17: 3648 + 228 = 3876
Step 18: 3876 + 228 = 4104
Step 19: 4104 + 228 = 4332
Step 20: 4332 + 228 = 4560
Step 21: 4560 + 228 = 4788
Step 22: 4788 + 228 = 5016
Step 23: 5016 + 228 = 5244
Step 24: 5244 + 228 = 5472
Step 25: 5472 + 228 = 5700
Step 26: 5700 + 228 = 5928
Step 27: 5928 + 228 = 6156
Step 28: 6156 + 228 = 6384
Step 29: 6384 + 228 = 6612
Step 30: 6612 + 228 = 6840
Step 31: 6840 + 228 = 7068
Step 32: 7068 + 228 = 7296
Step 33: 7296 + 228 = 7524
Step 34: 7524 + 228 = 7752
Step 35: 7752 + 228 = 7980
Step 36: 7980 + 228 = 8208
Step 37: 8208 + 228 = 8436
Step 38: 8436 + 228 = 8664
Step 39: 8664 + 228 = 8892
Step 40: 8892 + 228 = 9120
Step 41: 9120 + 228 = 9348
Step 42: 9348 + 228 = 9576
Step 43: 9576 + 228 = 9804
Step 44: 9804 + 228 = 10032
Step 45: 10032 + 228 = 10260
Step 46: 10260 + 228 = 10488
Step 47: 10488 + 228 = 10716
Step 48: 10716 + 228 = 10944
Step 49: 10944 + 228 = 11172
Step 50: 11172 + 228 = 11400
Step 51: 11400 + 228 = 11628
Step 52: 11628 + 228 = 11856
Step 53: 11856 + 228 = 12084
Step 54: 12084 + 228 = 12312
Step 55: 12312 + 228 = 12540
Step 56: 12540 + 228 = 12768
Step 57: 12768 + 228 = 12996
Step 58: 12996 + 228 = 13224
Step 59: 13224 + 228 = 13452
Step 60: 13452 + 228 = 13680
Step 61: 13680 + 228 = 13908
Step 62: 13908 + 228 = 14136
Step 63: 14136 + 228 = 14364
Step 64: 14364 + 228 = 14592
Step 65: 14592 + 228 = 14820
Step 66: 14820 + 228 = 15048
Step 67: 15048 + 228 = 15276
Step 68: 15276 + 228 = 15504
Step 69: 15504 + 228 = 15732
Step 70: 15732 + 228 = 15960
Step 71: 15960 + 228 = 16188
Step 72: 16188 + 228 = 16416
Step 73: 16416 + 228 = 16644
Step 74: 16644 + 228 = 16872
Step 75: 16872 + 228 = 17100
Step 76: 17100 + 228 = 17328
Step 77: 17328 + 228 = 17556
Step 78: 17556 + 228 = 17784
Step 79: 17784 + 228 = 18012
Step 80: 18012 + 228 = 18240
Step 81: 18240 + 228 = 18468
Step 82: 18468 + 228 = 18696
Step 83: 18696 + 228 = 18924
Step 84: 18924 + 228 = 19152
Step 85: 19152 + 228 = 19380
Step 86: 19380 + 228 = 19608
Step 87: 19608 + 228 = 19836
Step 88: 19836 + 228 = 20064
Step 89: 20064 + 228 = 20292
Step 90: 20292 + 228 = 20520
Step 91: 20520 + 228 = 20748
Step 92: 20748 + 228 = 20976
Step 93: 20976 + 228 = 21204
Step 94: 21204 + 228 = 21432
Step 95: 21432 + 228 = 21660

So, 228*95 = 21660