We look at the division of 946107 by 20 
The aim is to understand the frequency of 20 in 946107.

On to step 1:
The number 20 fits into 9 0 times, leaving a remainder of 9.
The next digit of our result is 0. 
Result so far: 0.0
If we take 0 away from 9, we end up with 9.
Fetch the next digit (4) from the dividend, attach it to 9 and continue: 94 / 20

Step 2:
20 goes into 94 4 times with a remainder of 14.
Record the quotient 4 as the next digit in the result. 
Result so far: 4.0
Subtracting 80 from 94 leaves us with 14.
Take the next digit (6) from the dividend and append it to 14, then repeat: 146 / 20

Going ahead to step 3:
The number 20 fits into 146 7 times, leaving a remainder of 6.
Put 7 as the next digit of the answer. 
Result so far: 47.0
Subtract 140 from 146 to get 6.
Bring next digit (1) of the dividend behind the 6 and repeat the process: 61 / 20

Step 4:
If we divide 61 by 20, we get 3 and a remainder of 1.
Write down 3 as next digit of the result. 
Result so far: 473.0
Subtracting 60 from 61 leaves us with 1.
Include the next digit (0) from the dividend after 1, then repeat: 10 / 20

Step 5:
10 divided by 20 is 0 with a remainder of 10.
Use 0 as the next digit of our solution. 
Result so far: 4730.0
If we subtract 0 from 10, we get 10.
Append the next digit (7) from the dividend to 10 and continue with: 107 / 20

Moving on to step 6:
If we divide 107 by 20, we get 5 and a remainder of 7.
The next digit of our result is 5. 
Result so far: 47305.0
If we take 100 away from 107, we end up with 7.
Since there are no more digits in the dividend, we add a zero to the remainder making it 70, and continue the process.

Going ahead to step 7:
The number 20 fits into 70 3 times, leaving a remainder of 10.
Write down 3 as next digit of the result. 
Result so far: 47305.3
Subtract 60 from 70 to 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.

Let's proceed to step 8:
If we divide 100 by 20, we get 5 and a remainder of 0.
The number 5 becomes the next digit in our result. 
Result so far: 47305.35
The remainder is 0 after subtracting 100 from 100.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

Step 9:
If we divide 0 by 20, we get 0 and a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 47305.35
If we take 0 away from 0, we end up 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.

Step 10:
20 can be fit into 0 0 times, resulting in a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 47305.35
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.

The quotient of the division is 47305.35, and the remainder is 0.0.