●37.7×5.2=37.7×(5+0.2)=188.5+7.54=196.04●7.7×3.42=(7+0.7)×3.42=23.94+2.394=25.94+0.394=26.334=26.334●8.63×23=8.63×(20+3)=172.6+25.89=197.6+0.89=198.49