●95×32=95×4×8=380×8=3040●95×32=(100-5)×32=3200-160=3040
95X32=(100-5)x32=(100x32)-(5×32)=3200-160=3040
95*32=(100-5)*32=100*32-5*32=3200-160=3040
95×32=(100-5)×32=3200-160=3040