Multiplying by 9 is really multiplying by 10-1.
So, 9x9 is just 9x(10-1) which is 9x10-9 which is 90-9 or 81.Lets take an example: 38x9 = 38x(10-1) = 380-38 = 342.
Lets take another example: 95x9 = 95x(10-1) = 950-95 = 855.
To multiply by 99, you multiply by 100-1.
So, 66x99 = 66x(100-1) = 6600-66 = 6534.
Multiplying by 999 is similar to multiplying by 9 and by 99.
38x999 = 38x(1000-1) = 38000-38 = 37962.
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