We have 1.3 times 2.8. We can do this multiplication as follows:
\[
\begin{array}{c}
\phantom{0}1.3\\
\times\phantom{0}2.8\\
\hline
10.4\phantom{0}\\
+2.6\phantom{00}\\
\hline
3.64
\end{array}
\]
In the first step, we multiplied 1.3 by 8 (from 2.8), getting 10.4.
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