$\"\"$

The expression is 95 $\"\"$ 38.

= (100 $\"\"$ 5)38 (Write 95 as the difference of 100 and 5)

Distribute terms using distributive property: a(b $\"\"$ c) = ab $\"\"$ ac.

= 100 $\"\"$ 38 $\"\"$ 5 $\"\"$ 38 (Distribute 38)

= 3800 $\"\"$ 5 $\"\"$ 38 (Multiply: 100 $\"\"$ 38 = 3800) $\"\"$

= 3800 $\"\"$ 5(40 $\"\"$ 2) (Write 38 as the difference of 40 and 2)

Distribute terms using distributive property: a(b $\"\"$ c) = ab $\"\"$ ac.

= 3800 $\"\"$ (5 $\"\"$ 40 $\"\"$ 5 $\"\"$ 2) (Distribute 5) \ \

= 3800 $\"\"$ (200 $\"\"$ 10) (Multiply: 5 $\"\"$ 40 = 200 and 5 $\"\"$ 2 = 10)

= 3800 $\"\"$ 190 (Subtract: 200 $\"\"$ 10 = 190)

= 3610 (Subtract: 3800 $\"\"$ 190 = 3610) $\"\"$

The product is $\"\"$ .