972196 ÷ 20 
The aim is to understand the frequency of 20 in 972196.

Step 1:
9 divided by 20 is 0 with a remainder of 9.
Write down 0 as next digit of the result. 
Result so far: 0.0
If we subtract 0 from 9, we get 9.
Grab the next digit (7) from the dividend, add it to 9, then carry on: 97 / 20

Moving on to step 2:
97 divided by 20 is 4 with a remainder of 17.
Put 4 as the next digit of the answer. 
Result so far: 4.0
If we take 80 away from 97, we end up with 17.
Fetch the next digit (2) from the dividend, attach it to 17 and continue: 172 / 20

Going ahead to step 3:
When dividing 172 by 20, we get 8 with a remainder of 12.
Record the quotient 8 as the next digit in the result. 
Result so far: 48.0
Subtracting 160 from 172 leaves us with 12.
Take the next digit (1) from the dividend and append it to 12, then repeat: 121 / 20

On to step 4:
20 can be fit into 121 6 times, resulting in a remainder of 1.
The number 6 becomes the next digit in our result. 
Result so far: 486.0
If we subtract 120 from 121, we get 1.
Bring next digit (9) of the dividend behind the 1 and repeat the process: 19 / 20

Moving on to step 5:
20 can be fit into 19 0 times, resulting in a remainder of 19.
The number 0 becomes the next digit in our result. 
Result so far: 4860.0
If we take 0 away from 19, we end up with 19.
Include the next digit (6) from the dividend after 19, then repeat: 196 / 20

Let's proceed to step 6:
If we divide 196 by 20, we get 9 and a remainder of 16.
The number 9 becomes the next digit in our result. 
Result so far: 48609.0
If we take 180 away from 196, we end up 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.

On to step 7:
160 divided by 20 is 8 with a remainder of 0.
Record the quotient 8 as the next digit in the result. 
Result so far: 48609.8
If we subtract 160 from 160, 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:
When dividing 0 by 20, we get 0 with a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 48609.8
Deduct 0 from 0 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 9:
0 divided by 20 is 0 with a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 48609.8
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.

Our division results in 48609.8 with a remaining 0.0.