We look at the division of 862187 by 20 
We want to figure out the number of times 862187 can be divided by 20.

Step 1:
If we divide 8 by 20, we get 0 and a remainder of 8.
Put 0 as the next digit of the answer. 
Result so far: 0.0
If we subtract 0 from 8, we get 8.
Bring next digit (6) of the dividend behind the 8 and repeat the process: 86 / 20

Going ahead to step 2:
20 can be fit into 86 4 times, resulting in a remainder of 6.
The number 4 becomes the next digit in our result. 
Result so far: 4.0
If we subtract 80 from 86, we get 6.
Grab the next digit (2) from the dividend, add it to 6, then carry on: 62 / 20

Moving on to step 3:
62 divided by 20 is 3 with a remainder of 2.
Record the quotient 3 as the next digit in the result. 
Result so far: 43.0
If we take 60 away from 62, we end up with 2.
Grab the next digit (1) from the dividend, add it to 2, then carry on: 21 / 20

On to step 4:
When dividing 21 by 20, we get 1 with a remainder of 1.
Put 1 as the next digit of the answer. 
Result so far: 431.0
Subtracting 20 from 21 leaves us with 1.
Grab the next digit (8) from the dividend, add it to 1, then carry on: 18 / 20

Advancing to step 5:
18 divided by 20 is 0 with a remainder of 18.
Use 0 as the next digit of our solution. 
Result so far: 4310.0
The remainder is 18 after subtracting 0 from 18.
Grab the next digit (7) from the dividend, add it to 18, then carry on: 187 / 20

Advancing to step 6:
The number 20 fits into 187 9 times, leaving a remainder of 7.
Put 9 as the next digit of the answer. 
Result so far: 43109.0
If we subtract 180 from 187, we get 7.
Since there are no more digits in the dividend, we add a zero to the remainder making it 70, and continue the process.

Advancing to step 7:
20 goes into 70 3 times with a remainder of 10.
Write down 3 as next digit of the result. 
Result so far: 43109.3
Subtract 60 from 70 to get 10.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Let's proceed to step 8:
20 can be fit into 100 5 times, resulting in a remainder of 0.
Write down 5 as next digit of the result. 
Result so far: 43109.35
Subtracting 100 from 100 leaves us 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.

Step 9:
20 goes into 0 0 times with a remainder of 0.
The next digit of our result is 0. 
Result so far: 43109.35
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.

Going ahead to step 10:
The number 20 fits into 0 0 times, leaving a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 43109.35
Subtracting 0 from 0 leaves us 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.

The final outcome is 43109.35, with a leftover of 0.0.