We look at the division of 76782738 by 20 
The aim is to understand the frequency of 20 in 76782738.

Moving on to step 1:
The number 20 fits into 7 0 times, leaving a remainder of 7.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
Subtract 0 from 7 to get 7.
Take the next digit (6) from the dividend and append it to 7, then repeat: 76 / 20

Going ahead to step 2:
20 goes into 76 3 times with a remainder of 16.
The number 3 becomes the next digit in our result. 
Result so far: 3.0
If we subtract 60 from 76, we get 16.
Include the next digit (7) from the dividend after 16, then repeat: 167 / 20

Advancing to step 3:
The number 20 fits into 167 8 times, leaving a remainder of 7.
Use 8 as the next digit of our solution. 
Result so far: 38.0
The remainder is 7 after subtracting 160 from 167.
Include the next digit (8) from the dividend after 7, then repeat: 78 / 20

Moving on to step 4:
20 goes into 78 3 times with a remainder of 18.
The number 3 becomes the next digit in our result. 
Result so far: 383.0
Subtract 60 from 78 to get 18.
Bring next digit (2) of the dividend behind the 18 and repeat the process: 182 / 20

Going ahead to step 5:
182 divided by 20 is 9 with a remainder of 2.
Record the quotient 9 as the next digit in the result. 
Result so far: 3839.0
Deduct 180 from 182 and we're left with 2.
Bring next digit (7) of the dividend behind the 2 and repeat the process: 27 / 20

Advancing to step 6:
If we divide 27 by 20, we get 1 and a remainder of 7.
Put 1 as the next digit of the answer. 
Result so far: 38391.0
If we subtract 20 from 27, we get 7.
Fetch the next digit (3) from the dividend, attach it to 7 and continue: 73 / 20

On to step 7:
20 can be fit into 73 3 times, resulting in a remainder of 13.
Put 3 as the next digit of the answer. 
Result so far: 383913.0
If we take 60 away from 73, we end up with 13.
Take the next digit (8) from the dividend and append it to 13, then repeat: 138 / 20

Let's proceed to step 8:
The number 20 fits into 138 6 times, leaving a remainder of 18.
Write down 6 as next digit of the result. 
Result so far: 3839136.0
Deduct 120 from 138 and we're left with 18.
Since there are no more digits in the dividend, we add a zero to the remainder making it 180, and continue the process.

On to step 9:
180 divided by 20 is 9 with a remainder of 0.
Use 9 as the next digit of our solution. 
Result so far: 3839136.9
Subtract 180 from 180 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.

Going ahead to step 10:
0 divided by 20 is 0 with a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 3839136.9
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.

On to step 11:
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: 3839136.9
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.

In conclusion, the division gives 3839136.9 with a balance of 0.0.