We look at the division of 164698 by 95 
The aim is to understand the frequency of 95 in 164698.

Advancing to step 1:
When dividing 1 by 95, we get 0 with a remainder of 1.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
Subtract 0 from 1 to get 1.
Take the next digit (6) from the dividend and append it to 1, then repeat: 16 / 95

Let's proceed to step 2:
16 divided by 95 is 0 with a remainder of 16.
Put 0 as the next digit of the answer. 
Result so far: 0.0
Subtract 0 from 16 to get 16.
Append the next digit (4) from the dividend to 16 and continue with: 164 / 95

On to step 3:
When dividing 164 by 95, we get 1 with a remainder of 69.
Record the quotient 1 as the next digit in the result. 
Result so far: 1.0
If we subtract 95 from 164, we get 69.
Include the next digit (6) from the dividend after 69, then repeat: 696 / 95

On to step 4:
When dividing 696 by 95, we get 7 with a remainder of 31.
Put 7 as the next digit of the answer. 
Result so far: 17.0
The remainder is 31 after subtracting 665 from 696.
Grab the next digit (9) from the dividend, add it to 31, then carry on: 319 / 95

Going ahead to step 5:
319 divided by 95 is 3 with a remainder of 34.
Use 3 as the next digit of our solution. 
Result so far: 173.0
If we subtract 285 from 319, we get 34.
Bring next digit (8) of the dividend behind the 34 and repeat the process: 348 / 95

Advancing to step 6:
95 goes into 348 3 times with a remainder of 63.
The next digit of our result is 3. 
Result so far: 1733.0
Subtracting 285 from 348 leaves us with 63.
Since there are no more digits in the dividend, we add a zero to the remainder making it 630, and continue the process.

Advancing to step 7:
95 goes into 630 6 times with a remainder of 60.
The number 6 becomes the next digit in our result. 
Result so far: 1733.6
Deduct 570 from 630 and we're left with 60.
Since there are no more digits in the dividend, we add a zero to the remainder making it 600, and continue the process.

Step 8:
95 goes into 600 6 times with a remainder of 30.
Use 6 as the next digit of our solution. 
Result so far: 1733.66
If we subtract 570 from 600, we get 30.
Since there are no more digits in the dividend, we add a zero to the remainder making it 300, and continue the process.

The final outcome is 1733.66, with a leftover of 0.03.