78712 ÷ 20 
We're looking to find how many times 20 goes into 78712.

Going ahead to step 1:
7 divided by 20 is 0 with a remainder of 7.
Use 0 as the next digit of our solution. 
Result so far: 0.0
Subtract 0 from 7 to get 7.
Grab the next digit (8) from the dividend, add it to 7, then carry on: 78 / 20

Advancing to step 2:
When dividing 78 by 20, we get 3 with a remainder of 18.
Use 3 as the next digit of our solution. 
Result so far: 3.0
Deduct 60 from 78 and we're left with 18.
Append the next digit (7) from the dividend to 18 and continue with: 187 / 20

Advancing to step 3:
If we divide 187 by 20, we get 9 and a remainder of 7.
The next digit of our result is 9. 
Result so far: 39.0
If we subtract 180 from 187, we get 7.
Fetch the next digit (1) from the dividend, attach it to 7 and continue: 71 / 20

On to step 4:
71 divided by 20 is 3 with a remainder of 11.
The number 3 becomes the next digit in our result. 
Result so far: 393.0
Subtract 60 from 71 to get 11.
Include the next digit (2) from the dividend after 11, then repeat: 112 / 20

Let's proceed to step 5:
20 goes into 112 5 times with a remainder of 12.
The next digit of our result is 5. 
Result so far: 3935.0
Deduct 100 from 112 and we're left with 12.
Since there are no more digits in the dividend, we add a zero to the remainder making it 120, and continue the process.

Let's proceed to step 6:
If we divide 120 by 20, we get 6 and a remainder of 0.
Write down 6 as next digit of the result. 
Result so far: 3935.6
Subtract 120 from 120 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.

Step 7:
20 can be fit into 0 0 times, resulting in a remainder of 0.
The next digit of our result is 0. 
Result so far: 3935.6
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.

Moving on to step 8:
20 goes into 0 0 times with a remainder of 0.
The next digit of our result is 0. 
Result so far: 3935.6
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.

Our division results in 3935.6 with a remaining 0.0.