195882 ÷ 20 
Let's see how many times 20 fits into 195882.

Moving on to step 1:
20 goes into 1 0 times with a remainder of 1.
Write down 0 as next digit of the result. 
Result so far: 0.0
Deduct 0 from 1 and we're left with 1.
Include the next digit (9) from the dividend after 1, then repeat: 19 / 20

Let's proceed to step 2:
19 divided by 20 is 0 with a remainder of 19.
Use 0 as the next digit of our solution. 
Result so far: 0.0
If we subtract 0 from 19, we get 19.
Fetch the next digit (5) from the dividend, attach it to 19 and continue: 195 / 20

On to step 3:
195 divided by 20 is 9 with a remainder of 15.
The next digit of our result is 9. 
Result so far: 9.0
If we subtract 180 from 195, we get 15.
Include the next digit (8) from the dividend after 15, then repeat: 158 / 20

Moving on to step 4:
If we divide 158 by 20, we get 7 and a remainder of 18.
The next digit of our result is 7. 
Result so far: 97.0
Deduct 140 from 158 and we're left with 18.
Grab the next digit (8) from the dividend, add it to 18, then carry on: 188 / 20

Going ahead to step 5:
If we divide 188 by 20, we get 9 and a remainder of 8.
The next digit of our result is 9. 
Result so far: 979.0
Deduct 180 from 188 and we're left with 8.
Fetch the next digit (2) from the dividend, attach it to 8 and continue: 82 / 20

Moving on to step 6:
20 can be fit into 82 4 times, resulting in a remainder of 2.
Write down 4 as next digit of the result. 
Result so far: 9794.0
If we subtract 80 from 82, we get 2.
Since there are no more digits in the dividend, we add a zero to the remainder making it 20, and continue the process.

On to step 7:
20 divided by 20 is 1 with a remainder of 0.
The next digit of our result is 1. 
Result so far: 9794.1
Subtract 20 from 20 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.

Let's proceed to step 8:
If we divide 0 by 20, we get 0 and a remainder of 0.
The next digit of our result is 0. 
Result so far: 9794.1
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.

On to step 9:
The number 20 fits into 0 0 times, leaving a remainder of 0.
The next digit of our result is 0. 
Result so far: 9794.1
Subtract 0 from 0 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.

The final result is 9794.1 with a remainder of 0.0.