865520 ÷ 20 
We want to figure out the number of times 865520 can be divided by 20.

Advancing to step 1:
The number 20 fits into 8 0 times, leaving a remainder of 8.
Record the quotient 0 as the next digit in the result. 
Result so far: 0.0
Subtracting 0 from 8 leaves us with 8.
Grab the next digit (6) from the dividend, add it to 8, then carry on: 86 / 20

Moving on to step 2:
When dividing 86 by 20, we get 4 with a remainder of 6.
Write down 4 as next digit of the result. 
Result so far: 4.0
If we subtract 80 from 86, we get 6.
Append the next digit (5) from the dividend to 6 and continue with: 65 / 20

Advancing to step 3:
20 goes into 65 3 times with a remainder of 5.
The next digit of our result is 3. 
Result so far: 43.0
If we take 60 away from 65, we end up with 5.
Fetch the next digit (5) from the dividend, attach it to 5 and continue: 55 / 20

Step 4:
The number 20 fits into 55 2 times, leaving a remainder of 15.
Write down 2 as next digit of the result. 
Result so far: 432.0
Deduct 40 from 55 and we're left with 15.
Take the next digit (2) from the dividend and append it to 15, then repeat: 152 / 20

Let's proceed to step 5:
20 goes into 152 7 times with a remainder of 12.
Put 7 as the next digit of the answer. 
Result so far: 4327.0
Subtract 140 from 152 to get 12.
Bring next digit (0) of the dividend behind the 12 and repeat the process: 120 / 20

Going ahead to step 6:
The number 20 fits into 120 6 times, leaving a remainder of 0.
The number 6 becomes the next digit in our result. 
Result so far: 43276.0
Deduct 120 from 120 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.

Moving on to step 7:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 43276.0
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.

Moving on to step 8:
If we divide 0 by 20, we get 0 and a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 43276.0
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.

In conclusion, the division gives 43276.0 with a balance of 0.0.