We divide 78196063 by 20
Our goal is to divide 78196063 by 20.

Moving on to step 1:
20 goes into 7 0 times with a remainder of 7.
The next digit of our result is 0. 
Result so far: 0.0
Subtract 0 from 7 to get 7.
Include the next digit (8) from the dividend after 7, then repeat: 78 / 20

On to step 2:
20 can be fit into 78 3 times, resulting in a remainder of 18.
Write down 3 as next digit of the result. 
Result so far: 3.0
If we take 60 away from 78, we end up with 18.
Grab the next digit (1) from the dividend, add it to 18, then carry on: 181 / 20

Going ahead to step 3:
The number 20 fits into 181 9 times, leaving a remainder of 1.
Use 9 as the next digit of our solution. 
Result so far: 39.0
The remainder is 1 after subtracting 180 from 181.
Grab the next digit (9) from the dividend, add it to 1, then carry on: 19 / 20

On to step 4:
20 can be fit into 19 0 times, resulting in a remainder of 19.
Put 0 as the next digit of the answer. 
Result so far: 390.0
If we subtract 0 from 19, we get 19.
Take the next digit (6) from the dividend and append it to 19, then repeat: 196 / 20

Step 5:
When dividing 196 by 20, we get 9 with a remainder of 16.
Record the quotient 9 as the next digit in the result. 
Result so far: 3909.0
If we take 180 away from 196, we end up with 16.
Append the next digit (0) from the dividend to 16 and continue with: 160 / 20

On to step 6:
The number 20 fits into 160 8 times, leaving a remainder of 0.
Put 8 as the next digit of the answer. 
Result so far: 39098.0
If we subtract 160 from 160, we get 0.
Fetch the next digit (6) from the dividend, attach it to 0 and continue: 6 / 20

On to step 7:
20 can be fit into 6 0 times, resulting in a remainder of 6.
Put 0 as the next digit of the answer. 
Result so far: 390980.0
If we subtract 0 from 6, we get 6.
Grab the next digit (3) from the dividend, add it to 6, then carry on: 63 / 20

Advancing to step 8:
The number 20 fits into 63 3 times, leaving a remainder of 3.
Write down 3 as next digit of the result. 
Result so far: 3909803.0
Deduct 60 from 63 and we're left with 3.
Since there are no more digits in the dividend, we add a zero to the remainder making it 30, and continue the process.

Let's proceed to step 9:
The number 20 fits into 30 1 times, leaving a remainder of 10.
Write down 1 as next digit of the result. 
Result so far: 3909803.1
Subtracting 20 from 30 leaves us with 10.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Let's proceed to step 10:
When dividing 100 by 20, we get 5 with a remainder of 0.
Write down 5 as next digit of the result. 
Result so far: 3909803.15
Subtracting 100 from 100 leaves us 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.

Let's proceed to step 11:
20 can be fit into 0 0 times, resulting in a remainder of 0.
Use 0 as the next digit of our solution. 
Result so far: 3909803.15
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.

Moving on to step 12:
The number 20 fits into 0 0 times, leaving a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 3909803.15
The remainder is 0 after subtracting 0 from 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 3909803.15 with a balance of 0.0.