1. Left side97 x 941. Left sideCross-adjust once from the base.1left side 97 - 6 = 912right side 3 x 6 = 183answer 91|18 = 9118Cross-adjust once from the base.Cross-adjust once from the base.
2. Right side97 x 942. Right sideMultiply offsets for padded digits.1left side 97 - 6 = 912right side 3 x 6 = 183answer 91|18 = 9118Multiply offsets for padded digits.Multiply offsets for padded digits.
3. Read answer97 x 943. Read answerBorrow if the right side is negative. Read answer answer 91|18 = 9118Borrow if the right side is negative.Borrow if the right side is negative.Borrow if the right side is negative.