196157 ÷ 20 
Let's see how many times 20 fits into 196157.

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
The remainder is 1 after subtracting 0 from 1.
Append the next digit (9) from the dividend to 1 and continue with: 19 / 20

Moving on to step 2:
When dividing 19 by 20, we get 0 with a remainder of 19.
The next digit of our result is 0. 
Result so far: 0.0
If we take 0 away from 19, we end up with 19.
Fetch the next digit (6) from the dividend, attach it to 19 and continue: 196 / 20

Let's proceed to step 3:
The number 20 fits into 196 9 times, leaving a remainder of 16.
The number 9 becomes the next digit in our result. 
Result so far: 9.0
If we subtract 180 from 196, we get 16.
Fetch the next digit (1) from the dividend, attach it to 16 and continue: 161 / 20

On to step 4:
20 can be fit into 161 8 times, resulting in a remainder of 1.
Write down 8 as next digit of the result. 
Result so far: 98.0
Subtract 160 from 161 to get 1.
Include the next digit (5) from the dividend after 1, then repeat: 15 / 20

Going ahead to step 5:
15 divided by 20 is 0 with a remainder of 15.
The number 0 becomes the next digit in our result. 
Result so far: 980.0
Subtract 0 from 15 to get 15.
Append the next digit (7) from the dividend to 15 and continue with: 157 / 20

Let's proceed to step 6:
When dividing 157 by 20, we get 7 with a remainder of 17.
Put 7 as the next digit of the answer. 
Result so far: 9807.0
Subtract 140 from 157 to get 17.
Since there are no more digits in the dividend, we add a zero to the remainder making it 170, and continue the process.

Let's proceed to step 7:
If we divide 170 by 20, we get 8 and a remainder of 10.
Put 8 as the next digit of the answer. 
Result so far: 9807.8
If we subtract 160 from 170, 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.

Let's proceed to step 8:
If we divide 100 by 20, we get 5 and a remainder of 0.
Write down 5 as next digit of the result. 
Result so far: 9807.85
If we take 100 away from 100, 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.

Let's proceed to step 9:
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: 9807.85
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.

Going ahead to step 10:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 9807.85
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 9807.85 with a remaining 0.0.