We're dividing 681595 by 20 
The aim is to understand the frequency of 20 in 681595.

On to step 1:
When dividing 6 by 20, we get 0 with a remainder of 6.
The next digit of our result is 0. 
Result so far: 0.0
If we subtract 0 from 6, we get 6.
Take the next digit (8) from the dividend and append it to 6, then repeat: 68 / 20

Step 2:
68 divided by 20 is 3 with a remainder of 8.
The number 3 becomes the next digit in our result. 
Result so far: 3.0
If we take 60 away from 68, we end up with 8.
Bring next digit (1) of the dividend behind the 8 and repeat the process: 81 / 20

Step 3:
81 divided by 20 is 4 with a remainder of 1.
Record the quotient 4 as the next digit in the result. 
Result so far: 34.0
Subtracting 80 from 81 leaves us with 1.
Append the next digit (5) from the dividend to 1 and continue with: 15 / 20

On to step 4:
The number 20 fits into 15 0 times, leaving a remainder of 15.
Record the quotient 0 as the next digit in the result. 
Result so far: 340.0
Deduct 0 from 15 and we're left with 15.
Take the next digit (9) from the dividend and append it to 15, then repeat: 159 / 20

On to step 5:
20 can be fit into 159 7 times, resulting in a remainder of 19.
The next digit of our result is 7. 
Result so far: 3407.0
Deduct 140 from 159 and we're left with 19.
Fetch the next digit (5) from the dividend, attach it to 19 and continue: 195 / 20

Let's proceed to step 6:
The number 20 fits into 195 9 times, leaving a remainder of 15.
Put 9 as the next digit of the answer. 
Result so far: 34079.0
If we take 180 away from 195, we end up with 15.
Since there are no more digits in the dividend, we add a zero to the remainder making it 150, and continue the process.

Let's proceed to step 7:
When dividing 150 by 20, we get 7 with a remainder of 10.
Put 7 as the next digit of the answer. 
Result so far: 34079.7
Deduct 140 from 150 and we're left with 10.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Let's proceed to step 8:
20 can be fit into 100 5 times, resulting in a remainder of 0.
The number 5 becomes the next digit in our result. 
Result so far: 34079.75
Subtracting 100 from 100 leaves us 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.

Going ahead to step 9:
When dividing 0 by 20, we get 0 with a remainder of 0.
The next digit of our result is 0. 
Result so far: 34079.75
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.

Let's proceed to step 10:
20 can be fit into 0 0 times, resulting in a remainder of 0.
The next digit of our result is 0. 
Result so far: 34079.75
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 34079.75 with a remainder of 0.0.