TO MULTIPLY BY A 2-DIGIT NUMBER

FOR EXAMPLE:  440 X 38                       or      440
                                                   X  38
                                                   _____
      Step 1. Multiply the 440 X 8                  3520
                 440                               13200
               X   8                              ------
               -----                               16720
                3520
      Step 2. Multiply the 440 X 30          NOTE:   440 x 8
                 440                               + 440 X 30
               X  30
               _____                               is the same as:
               13200
      Step 3. Add the two results together           440 x 38
                3520
               13200
               -----
               16720
END