Let's get this math done. We have 495 and we're going to multiply it by 28. This is the same as taking 495 and adding it to itself 28 times.
Step 1: 0 + 495 = 495
Step 2: 495 + 495 = 990
Step 3: 990 + 495 = 1485
Step 4: 1485 + 495 = 1980
Step 5: 1980 + 495 = 2475
Step 6: 2475 + 495 = 2970
Step 7: 2970 + 495 = 3465
Step 8: 3465 + 495 = 3960
Step 9: 3960 + 495 = 4455
Step 10: 4455 + 495 = 4950
Step 11: 4950 + 495 = 5445
Step 12: 5445 + 495 = 5940
Step 13: 5940 + 495 = 6435
Step 14: 6435 + 495 = 6930
Step 15: 6930 + 495 = 7425
Step 16: 7425 + 495 = 7920
Step 17: 7920 + 495 = 8415
Step 18: 8415 + 495 = 8910
Step 19: 8910 + 495 = 9405
Step 20: 9405 + 495 = 9900
Step 21: 9900 + 495 = 10395
Step 22: 10395 + 495 = 10890
Step 23: 10890 + 495 = 11385
Step 24: 11385 + 495 = 11880
Step 25: 11880 + 495 = 12375
Step 26: 12375 + 495 = 12870
Step 27: 12870 + 495 = 13365
Step 28: 13365 + 495 = 13860

So, 495*28 = 13860