We're dividing 190975 by 20 
We want to figure out the number of times 190975 can be divided by 20.

Step 1:
If we divide 1 by 20, we get 0 and a remainder of 1.
Use 0 as the next digit of our solution. 
Result so far: 0.0
If we take 0 away from 1, we end up with 1.
Bring next digit (9) of the dividend behind the 1 and repeat the process: 19 / 20

Let's proceed to step 2:
When dividing 19 by 20, we get 0 with a remainder of 19.
Write down 0 as next digit of the result. 
Result so far: 0.0
If we take 0 away from 19, we end up with 19.
Include the next digit (0) from the dividend after 19, then repeat: 190 / 20

Advancing to step 3:
The number 20 fits into 190 9 times, leaving a remainder of 10.
The number 9 becomes the next digit in our result. 
Result so far: 9.0
Deduct 180 from 190 and we're left with 10.
Fetch the next digit (9) from the dividend, attach it to 10 and continue: 109 / 20

Let's proceed to step 4:
The number 20 fits into 109 5 times, leaving a remainder of 9.
Write down 5 as next digit of the result. 
Result so far: 95.0
If we take 100 away from 109, we end up with 9.
Grab the next digit (7) from the dividend, add it to 9, then carry on: 97 / 20

Going ahead to step 5:
If we divide 97 by 20, we get 4 and a remainder of 17.
Write down 4 as next digit of the result. 
Result so far: 954.0
The remainder is 17 after subtracting 80 from 97.
Take the next digit (5) from the dividend and append it to 17, then repeat: 175 / 20

Step 6:
20 goes into 175 8 times with a remainder of 15.
Record the quotient 8 as the next digit in the result. 
Result so far: 9548.0
Subtract 160 from 175 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.

Step 7:
The number 20 fits into 150 7 times, leaving a remainder of 10.
Record the quotient 7 as the next digit in the result. 
Result so far: 9548.7
If we subtract 140 from 150, we 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.

On to step 8:
20 goes into 100 5 times with a remainder of 0.
Put 5 as the next digit of the answer. 
Result so far: 9548.75
If we take 100 away from 100, 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 9:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Use 0 as the next digit of our solution. 
Result so far: 9548.75
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.

Advancing to step 10:
If we divide 0 by 20, we get 0 and a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 9548.75
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 9548.75 with a balance of 0.0.