V, 7 bytes
10é*10Ä
About as straightforward as an answer can be.
Explanation:
10 "10 times:
é* "insert an asterisk
10Ä "make 10 copies of the current line
5 bytes:
10O±*
Explanation:
10O " Insert the following on the next ten lines:
± " 10 copies of
* " an asterisk
This didn't work when the challenge was posted because of a bug.
DJMcMayhem
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