1. The problem is to multiply the numbers 10.5 and 9.5. 2. The multiplication formula is simply $a \times b$, where $a=10.5$ and $b=9.5$. 3. Multiply the numbers: $$10.5 \times 9.5 = 99.75$$ 4. So, the product of 10.5 and 9.5 is 99.75.