We divide 862396 by 20
We want to figure out the number of times 862396 can be divided by 20.

Moving on to step 1:
If we divide 8 by 20, we get 0 and a remainder of 8.
Put 0 as the next digit of the answer. 
Result so far: 0.0
If we take 0 away from 8, we end up with 8.
Fetch the next digit (6) from the dividend, attach it to 8 and continue: 86 / 20

Let's proceed to step 2:
86 divided by 20 is 4 with a remainder of 6.
Use 4 as the next digit of our solution. 
Result so far: 4.0
Subtracting 80 from 86 leaves us with 6.
Append the next digit (2) from the dividend to 6 and continue with: 62 / 20

Moving on to step 3:
When dividing 62 by 20, we get 3 with a remainder of 2.
Record the quotient 3 as the next digit in the result. 
Result so far: 43.0
Subtract 60 from 62 to get 2.
Bring next digit (3) of the dividend behind the 2 and repeat the process: 23 / 20

Going ahead to step 4:
23 divided by 20 is 1 with a remainder of 3.
Use 1 as the next digit of our solution. 
Result so far: 431.0
Deduct 20 from 23 and we're left with 3.
Include the next digit (9) from the dividend after 3, then repeat: 39 / 20

Step 5:
The number 20 fits into 39 1 times, leaving a remainder of 19.
Use 1 as the next digit of our solution. 
Result so far: 4311.0
If we take 20 away from 39, we end up with 19.
Grab the next digit (6) from the dividend, add it to 19, then carry on: 196 / 20

Let's proceed to step 6:
When dividing 196 by 20, we get 9 with a remainder of 16.
Write down 9 as next digit of the result. 
Result so far: 43119.0
Subtracting 180 from 196 leaves us with 16.
Since there are no more digits in the dividend, we add a zero to the remainder making it 160, and continue the process.

Step 7:
If we divide 160 by 20, we get 8 and a remainder of 0.
The number 8 becomes the next digit in our result. 
Result so far: 43119.8
Deduct 160 from 160 and we're left 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.

On to step 8:
When dividing 0 by 20, we get 0 with a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 43119.8
Subtract 0 from 0 to 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.

Going ahead to step 9:
The number 20 fits into 0 0 times, leaving a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 43119.8
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.

In conclusion, the division gives 43119.8 with a balance of 0.0.