OK, let's crack this. We're given 963 and our task is to multiply it by 38. Essentially, we'll be adding 963 to itself 38 times.
Step 1: 0 + 963 = 963
Step 2: 963 + 963 = 1926
Step 3: 1926 + 963 = 2889
Step 4: 2889 + 963 = 3852
Step 5: 3852 + 963 = 4815
Step 6: 4815 + 963 = 5778
Step 7: 5778 + 963 = 6741
Step 8: 6741 + 963 = 7704
Step 9: 7704 + 963 = 8667
Step 10: 8667 + 963 = 9630
Step 11: 9630 + 963 = 10593
Step 12: 10593 + 963 = 11556
Step 13: 11556 + 963 = 12519
Step 14: 12519 + 963 = 13482
Step 15: 13482 + 963 = 14445
Step 16: 14445 + 963 = 15408
Step 17: 15408 + 963 = 16371
Step 18: 16371 + 963 = 17334
Step 19: 17334 + 963 = 18297
Step 20: 18297 + 963 = 19260
Step 21: 19260 + 963 = 20223
Step 22: 20223 + 963 = 21186
Step 23: 21186 + 963 = 22149
Step 24: 22149 + 963 = 23112
Step 25: 23112 + 963 = 24075
Step 26: 24075 + 963 = 25038
Step 27: 25038 + 963 = 26001
Step 28: 26001 + 963 = 26964
Step 29: 26964 + 963 = 27927
Step 30: 27927 + 963 = 28890
Step 31: 28890 + 963 = 29853
Step 32: 29853 + 963 = 30816
Step 33: 30816 + 963 = 31779
Step 34: 31779 + 963 = 32742
Step 35: 32742 + 963 = 33705
Step 36: 33705 + 963 = 34668
Step 37: 34668 + 963 = 35631
Step 38: 35631 + 963 = 36594

So, 963*38 = 36594