Multiply near 100
Document Why the four moves work

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Why the four moves work

Read the card, then follow the algebra once. You do not need to memorise it.

The four moves

For two numbers just below 100:

  1. Find the deficits — how far each number is below 100.
  2. Cross-subtract — take one number minus the other number's deficit. That is the left block.
  3. Multiply the deficits. That is the right block.
  4. Protect the right block — it always has two digits: 6 becomes 06.
98 97
Deficit 2 3
Left block 98 − 3 = 95 (or 97 − 2 = 95)
Right block 2 × 3 = 6 → 06
Answer 95 06 = 9506

Why it works

Write each number as 100 minus its deficit, a and b:

(100-a)(100-b) = 10000 - 100a - 100b + ab = 100\,(100-a-b) + ab

  • 100 - a - b is the left block. It is the same as (100-a) - b: one number minus the other's deficit. That is why cross-subtracting in either direction gives the same answer.
  • ab is the right block. It is added to a multiple of 100, so it fills the last two places — which is why 6 must be written 06.

Check with 98 × 97: a = 2, b = 3, so 100\,(95) + 6 = 9506.

One question to keep in mind

What happens if ab is 100 or more? You will meet that in Section 2.

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