We're dividing 196485 by 20 
Our goal is to divide 196485 by 20.

Going ahead to step 1:
When dividing 1 by 20, we get 0 with a remainder of 1.
Record the quotient 0 as the next digit in the result. 
Result so far: 0.0
Deduct 0 from 1 and we're left with 1.
Include the next digit (9) from the dividend after 1, then repeat: 19 / 20

Step 2:
19 divided by 20 is 0 with a remainder of 19.
The next digit of our result is 0. 
Result so far: 0.0
The remainder is 19 after subtracting 0 from 19.
Append the next digit (6) from the dividend to 19 and continue with: 196 / 20

Let's proceed to step 3:
When dividing 196 by 20, we get 9 with a remainder of 16.
Record the quotient 9 as the next digit in the result. 
Result so far: 9.0
If we take 180 away from 196, we end up with 16.
Take the next digit (4) from the dividend and append it to 16, then repeat: 164 / 20

Moving on to step 4:
20 can be fit into 164 8 times, resulting in a remainder of 4.
The next digit of our result is 8. 
Result so far: 98.0
Subtracting 160 from 164 leaves us with 4.
Grab the next digit (8) from the dividend, add it to 4, then carry on: 48 / 20

Step 5:
48 divided by 20 is 2 with a remainder of 8.
The number 2 becomes the next digit in our result. 
Result so far: 982.0
The remainder is 8 after subtracting 40 from 48.
Include the next digit (5) from the dividend after 8, then repeat: 85 / 20

Advancing to step 6:
20 goes into 85 4 times with a remainder of 5.
Put 4 as the next digit of the answer. 
Result so far: 9824.0
If we take 80 away from 85, we end up with 5.
Since there are no more digits in the dividend, we add a zero to the remainder making it 50, and continue the process.

Moving on to step 7:
50 divided by 20 is 2 with a remainder of 10.
Put 2 as the next digit of the answer. 
Result so far: 9824.2
The remainder is 10 after subtracting 40 from 50.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Advancing to step 8:
When dividing 100 by 20, we get 5 with a remainder of 0.
Record the quotient 5 as the next digit in the result. 
Result so far: 9824.25
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.

Going ahead to step 9:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 9824.25
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.

Step 10:
0 divided by 20 is 0 with a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 9824.25
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.

In conclusion, the division gives 9824.25 with a balance of 0.0.