We're dividing 396961 by 95 
The aim is to understand the frequency of 95 in 396961.

Advancing to step 1:
3 divided by 95 is 0 with a remainder of 3.
Record the quotient 0 as the next digit in the result. 
Result so far: 0.0
The remainder is 3 after subtracting 0 from 3.
Take the next digit (9) from the dividend and append it to 3, then repeat: 39 / 95

Going ahead to step 2:
95 can be fit into 39 0 times, resulting in a remainder of 39.
Put 0 as the next digit of the answer. 
Result so far: 0.0
Subtracting 0 from 39 leaves us with 39.
Include the next digit (6) from the dividend after 39, then repeat: 396 / 95

Advancing to step 3:
If we divide 396 by 95, we get 4 and a remainder of 16.
Use 4 as the next digit of our solution. 
Result so far: 4.0
If we take 380 away from 396, we end up with 16.
Bring next digit (9) of the dividend behind the 16 and repeat the process: 169 / 95

Step 4:
When dividing 169 by 95, we get 1 with a remainder of 74.
Use 1 as the next digit of our solution. 
Result so far: 41.0
If we subtract 95 from 169, we get 74.
Bring next digit (6) of the dividend behind the 74 and repeat the process: 746 / 95

Advancing to step 5:
If we divide 746 by 95, we get 7 and a remainder of 81.
Write down 7 as next digit of the result. 
Result so far: 417.0
Subtracting 665 from 746 leaves us with 81.
Include the next digit (1) from the dividend after 81, then repeat: 811 / 95

Step 6:
If we divide 811 by 95, we get 8 and a remainder of 51.
Write down 8 as next digit of the result. 
Result so far: 4178.0
The remainder is 51 after subtracting 760 from 811.
Since there are no more digits in the dividend, we add a zero to the remainder making it 510, and continue the process.

Step 7:
If we divide 510 by 95, we get 5 and a remainder of 35.
Put 5 as the next digit of the answer. 
Result so far: 4178.5
Subtracting 475 from 510 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.

Step 8:
350 divided by 95 is 3 with a remainder of 65.
The number 3 becomes the next digit in our result. 
Result so far: 4178.53
The remainder is 65 after subtracting 285 from 350.
Since there are no more digits in the dividend, we add a zero to the remainder making it 650, and continue the process.

On to step 9:
The number 95 fits into 650 6 times, leaving a remainder of 80.
The next digit of our result is 6. 
Result so far: 4178.536
If we take 570 away from 650, we end up with 80.
Since there are no more digits in the dividend, we add a zero to the remainder making it 800, and continue the process.

Advancing to step 10:
95 can be fit into 800 8 times, resulting in a remainder of 40.
The number 8 becomes the next digit in our result. 
Result so far: 4178.5368
Subtracting 760 from 800 leaves us with 40.
Since there are no more digits in the dividend, we add a zero to the remainder making it 400, and continue the process.

Step 11:
If we divide 400 by 95, we get 4 and a remainder of 20.
Record the quotient 4 as the next digit in the result. 
Result so far: 4178.53684
If we take 380 away from 400, we end up with 20.
Since there are no more digits in the dividend, we add a zero to the remainder making it 200, and continue the process.

On to step 12:
95 goes into 200 2 times with a remainder of 10.
Record the quotient 2 as the next digit in the result. 
Result so far: 4178.536842
If we subtract 190 from 200, 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.

Advancing to step 13:
When dividing 100 by 95, we get 1 with a remainder of 5.
Put 1 as the next digit of the answer. 
Result so far: 4178.5368421
If we subtract 95 from 100, we get 5.
Since there are no more digits in the dividend, we add a zero to the remainder making it 50, and continue the process.

Let's proceed to step 14:
If we divide 50 by 95, we get 0 and a remainder of 50.
The next digit of our result is 0. 
Result so far: 4178.5368421
If we take 0 away from 50, we end up with 50.
Since there are no more digits in the dividend, we add a zero to the remainder making it 500, and continue the process.

The quotient of the division is 4178.5368421, and the remainder is 5e-08.