How to calculate 0.654 + 10.9 * 6.5

How to calculate 0.654 + 10.9 * 6.5

=0.1*(6.5+0.04)+10.9*6.5
=(10.9+0.1)*6.5+0.004
=(10+1)*6.5+0.004
=65+6.5+0.004
=71.504