We divide 9870 by 20
We want to figure out the number of times 9870 can be divided by 20.

Let's proceed to step 1:
9 divided by 20 is 0 with a remainder of 9.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
The remainder is 9 after subtracting 0 from 9.
Grab the next digit (8) from the dividend, add it to 9, then carry on: 98 / 20

Moving on to step 2:
If we divide 98 by 20, we get 4 and a remainder of 18.
Record the quotient 4 as the next digit in the result. 
Result so far: 4.0
If we subtract 80 from 98, we get 18.
Grab the next digit (7) from the dividend, add it to 18, then carry on: 187 / 20

On to step 3:
20 goes into 187 9 times with a remainder of 7.
Use 9 as the next digit of our solution. 
Result so far: 49.0
Deduct 180 from 187 and we're left with 7.
Include the next digit (0) from the dividend after 7, then repeat: 70 / 20

Step 4:
20 goes into 70 3 times with a remainder of 10.
Write down 3 as next digit of the result. 
Result so far: 493.0
The remainder is 10 after subtracting 60 from 70.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Going ahead to step 5:
20 goes into 100 5 times with a remainder of 0.
The number 5 becomes the next digit in our result. 
Result so far: 493.5
If we take 100 away from 100, we end up with 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

Let's proceed to step 6:
The number 20 fits into 0 0 times, leaving a remainder of 0.
The next digit of our result is 0. 
Result so far: 493.5
If we subtract 0 from 0, we get 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

Moving on to step 7:
If we divide 0 by 20, we get 0 and a remainder of 0.
Use 0 as the next digit of our solution. 
Result so far: 493.5
The remainder is 0 after subtracting 0 from 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

The final result is 493.5 with a remainder of 0.0.