We divide 963812 by 20
The aim is to understand the frequency of 20 in 963812.

Advancing to step 1:
The number 20 fits into 9 0 times, leaving a remainder of 9.
Use 0 as the next digit of our solution. 
Result so far: 0.0
Subtracting 0 from 9 leaves us with 9.
Fetch the next digit (6) from the dividend, attach it to 9 and continue: 96 / 20

Step 2:
96 divided by 20 is 4 with a remainder of 16.
Use 4 as the next digit of our solution. 
Result so far: 4.0
Subtract 80 from 96 to get 16.
Include the next digit (3) from the dividend after 16, then repeat: 163 / 20

Advancing to step 3:
163 divided by 20 is 8 with a remainder of 3.
The number 8 becomes the next digit in our result. 
Result so far: 48.0
Subtracting 160 from 163 leaves us with 3.
Fetch the next digit (8) from the dividend, attach it to 3 and continue: 38 / 20

Let's proceed to step 4:
The number 20 fits into 38 1 times, leaving a remainder of 18.
Use 1 as the next digit of our solution. 
Result so far: 481.0
Subtracting 20 from 38 leaves us with 18.
Bring next digit (1) of the dividend behind the 18 and repeat the process: 181 / 20

Moving on to step 5:
When dividing 181 by 20, we get 9 with a remainder of 1.
Record the quotient 9 as the next digit in the result. 
Result so far: 4819.0
If we take 180 away from 181, we end up with 1.
Bring next digit (2) of the dividend behind the 1 and repeat the process: 12 / 20

Going ahead to step 6:
When dividing 12 by 20, we get 0 with a remainder of 12.
Use 0 as the next digit of our solution. 
Result so far: 48190.0
The remainder is 12 after subtracting 0 from 12.
Since there are no more digits in the dividend, we add a zero to the remainder making it 120, and continue the process.

Let's proceed to step 7:
The number 20 fits into 120 6 times, leaving a remainder of 0.
The next digit of our result is 6. 
Result so far: 48190.6
If we take 120 away from 120, 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 8:
20 can be fit into 0 0 times, resulting in a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 48190.6
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.

Let's proceed to step 9:
When dividing 0 by 20, we get 0 with a remainder of 0.
Use 0 as the next digit of our solution. 
Result so far: 48190.6
If we take 0 away from 0, 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.

After the division, we end up with 48190.6 and a remainder of 0.0.