3 = 1*3   Rightmost digit is product of two rightmost 
     8 = 2*3 + 2*1  Tens digit is sum of two products (tens-column * ones-column)
 4 = 2*2           Hundreds digit is product of tens digits.
                  NOTE: No carrys!   (Carrys will go under next column left.)

		             
                                    3*4 = 12:     // 2 in ones-column; carry 1 underneath, to tens-column. 
                               3*4 + 3*4 = 24:  // add carried 1 for 5, with 2 carried underneath to 100s col. 
                           3*4 = 12:          // add carried 2 for 4 in hundreds-column;  carried 1 goes in 1000s-col.

			            
                                    Same can be done Right-To-Left.
                                    (carries go underneath next column to right!)

                                       3*4 is 12;       // 1 in 1000s column, 2 underneath 100s col. 
                                        3*4 + 3*4 = 24;    // 2+carry=4, 4 under tens col. 
                                         3*4 = 12;            // adding carried 4 puts 5 in tens column, 2 into ones-column.  





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