28132 ÷ 95 
The aim is to understand the frequency of 95 in 28132.

On to step 1:
95 can be fit into 2 0 times, resulting in a remainder of 2.
Use 0 as the next digit of our solution. 
Result so far: 0.0
The remainder is 2 after subtracting 0 from 2.
Include the next digit (8) from the dividend after 2, then repeat: 28 / 95

Moving on to step 2:
If we divide 28 by 95, we get 0 and a remainder of 28.
Put 0 as the next digit of the answer. 
Result so far: 0.0
Deduct 0 from 28 and we're left with 28.
Include the next digit (1) from the dividend after 28, then repeat: 281 / 95

On to step 3:
When dividing 281 by 95, we get 2 with a remainder of 91.
Write down 2 as next digit of the result. 
Result so far: 2.0
Subtract 190 from 281 to get 91.
Include the next digit (3) from the dividend after 91, then repeat: 913 / 95

Moving on to step 4:
The number 95 fits into 913 9 times, leaving a remainder of 58.
Write down 9 as next digit of the result. 
Result so far: 29.0
The remainder is 58 after subtracting 855 from 913.
Include the next digit (2) from the dividend after 58, then repeat: 582 / 95

Going ahead to step 5:
95 goes into 582 6 times with a remainder of 12.
The number 6 becomes the next digit in our result. 
Result so far: 296.0
If we take 570 away from 582, we end up with 12.
Since there are no more digits in the dividend, we add a zero to the remainder making it 120, and continue the process.

Step 6:
95 goes into 120 1 times with a remainder of 25.
Write down 1 as next digit of the result. 
Result so far: 296.1
The remainder is 25 after subtracting 95 from 120.
Since there are no more digits in the dividend, we add a zero to the remainder making it 250, and continue the process.

On to step 7:
The number 95 fits into 250 2 times, leaving a remainder of 60.
The number 2 becomes the next digit in our result. 
Result so far: 296.12
Subtracting 190 from 250 leaves us with 60.
Since there are no more digits in the dividend, we add a zero to the remainder making it 600, and continue the process.

On to step 8:
95 can be fit into 600 6 times, resulting in a remainder of 30.
The number 6 becomes the next digit in our result. 
Result so far: 296.126
If we subtract 570 from 600, we get 30.
Since there are no more digits in the dividend, we add a zero to the remainder making it 300, and continue the process.

Step 9:
95 goes into 300 3 times with a remainder of 15.
Put 3 as the next digit of the answer. 
Result so far: 296.1263
Subtract 285 from 300 to get 15.
Since there are no more digits in the dividend, we add a zero to the remainder making it 150, and continue the process.

Going ahead to step 10:
The number 95 fits into 150 1 times, leaving a remainder of 55.
The number 1 becomes the next digit in our result. 
Result so far: 296.12631
Subtract 95 from 150 to get 55.
Since there are no more digits in the dividend, we add a zero to the remainder making it 550, and continue the process.

Going ahead to step 11:
When dividing 550 by 95, we get 5 with a remainder of 75.
The next digit of our result is 5. 
Result so far: 296.126315
If we subtract 475 from 550, we get 75.
Since there are no more digits in the dividend, we add a zero to the remainder making it 750, and continue the process.

Moving on to step 12:
95 goes into 750 7 times with a remainder of 85.
Use 7 as the next digit of our solution. 
Result so far: 296.1263157
The remainder is 85 after subtracting 665 from 750.
Since there are no more digits in the dividend, we add a zero to the remainder making it 850, and continue the process.

Going ahead to step 13:
95 goes into 850 8 times with a remainder of 90.
The next digit of our result is 8. 
Result so far: 296.12631578
Subtract 760 from 850 to get 90.
Since there are no more digits in the dividend, we add a zero to the remainder making it 900, and continue the process.

The final result is 296.12631578 with a remainder of 9e-08.