431332 ÷ 95 
The aim is to understand the frequency of 95 in 431332.

Step 1:
95 goes into 4 0 times with a remainder of 4.
The next digit of our result is 0. 
Result so far: 0.0
If we take 0 away from 4, we end up with 4.
Take the next digit (3) from the dividend and append it to 4, then repeat: 43 / 95

Moving on to step 2:
When dividing 43 by 95, we get 0 with a remainder of 43.
Write down 0 as next digit of the result. 
Result so far: 0.0
Subtract 0 from 43 to get 43.
Fetch the next digit (1) from the dividend, attach it to 43 and continue: 431 / 95

Let's proceed to step 3:
If we divide 431 by 95, we get 4 and a remainder of 51.
Put 4 as the next digit of the answer. 
Result so far: 4.0
The remainder is 51 after subtracting 380 from 431.
Append the next digit (3) from the dividend to 51 and continue with: 513 / 95

Step 4:
513 divided by 95 is 5 with a remainder of 38.
Put 5 as the next digit of the answer. 
Result so far: 45.0
Subtract 475 from 513 to get 38.
Include the next digit (3) from the dividend after 38, then repeat: 383 / 95

Step 5:
95 goes into 383 4 times with a remainder of 3.
The number 4 becomes the next digit in our result. 
Result so far: 454.0
Subtracting 380 from 383 leaves us with 3.
Append the next digit (2) from the dividend to 3 and continue with: 32 / 95

Advancing to step 6:
When dividing 32 by 95, we get 0 with a remainder of 32.
The number 0 becomes the next digit in our result. 
Result so far: 4540.0
If we subtract 0 from 32, we get 32.
Since there are no more digits in the dividend, we add a zero to the remainder making it 320, and continue the process.

Step 7:
The number 95 fits into 320 3 times, leaving a remainder of 35.
Put 3 as the next digit of the answer. 
Result so far: 4540.3
Subtracting 285 from 320 leaves us with 35.
Since there are no more digits in the dividend, we add a zero to the remainder making it 350, and continue the process.

Let's proceed to step 8:
95 goes into 350 3 times with a remainder of 65.
The next digit of our result is 3. 
Result so far: 4540.33
Subtract 285 from 350 to get 65.
Since there are no more digits in the dividend, we add a zero to the remainder making it 650, and continue the process.

The quotient of the division is 4540.33, and the remainder is 0.065.