198448 divided by 20 
The aim is to understand the frequency of 20 in 198448.

Moving on to step 1:
20 can be fit into 1 0 times, resulting in a remainder of 1.
Use 0 as the next digit of our solution. 
Result so far: 0.0
Subtracting 0 from 1 leaves us with 1.
Fetch the next digit (9) from the dividend, attach it to 1 and continue: 19 / 20

Let's proceed to step 2:
If we divide 19 by 20, we get 0 and a remainder of 19.
Use 0 as the next digit of our solution. 
Result so far: 0.0
Subtracting 0 from 19 leaves us with 19.
Grab the next digit (8) from the dividend, add it to 19, then carry on: 198 / 20

Step 3:
If we divide 198 by 20, we get 9 and a remainder of 18.
The next digit of our result is 9. 
Result so far: 9.0
The remainder is 18 after subtracting 180 from 198.
Grab the next digit (4) from the dividend, add it to 18, then carry on: 184 / 20

Let's proceed to step 4:
184 divided by 20 is 9 with a remainder of 4.
Use 9 as the next digit of our solution. 
Result so far: 99.0
Subtracting 180 from 184 leaves us with 4.
Take the next digit (4) from the dividend and append it to 4, then repeat: 44 / 20

Going ahead to step 5:
20 can be fit into 44 2 times, resulting in a remainder of 4.
The number 2 becomes the next digit in our result. 
Result so far: 992.0
If we take 40 away from 44, we end up with 4.
Grab the next digit (8) from the dividend, add it to 4, then carry on: 48 / 20

On to step 6:
48 divided by 20 is 2 with a remainder of 8.
Use 2 as the next digit of our solution. 
Result so far: 9922.0
Subtracting 40 from 48 leaves us with 8.
Since there are no more digits in the dividend, we add a zero to the remainder making it 80, and continue the process.

Step 7:
The number 20 fits into 80 4 times, leaving a remainder of 0.
Put 4 as the next digit of the answer. 
Result so far: 9922.4
If we subtract 80 from 80, 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 8:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 9922.4
Subtracting 0 from 0 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.

Advancing to step 9:
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: 9922.4
Subtracting 0 from 0 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.

In conclusion, the division gives 9922.4 with a balance of 0.0.