We look at the division of 944881 by 20 
The aim is to understand the frequency of 20 in 944881.

On to step 1:
20 can be fit into 9 0 times, resulting in a remainder of 9.
Put 0 as the next digit of the answer. 
Result so far: 0.0
The remainder is 9 after subtracting 0 from 9.
Fetch the next digit (4) from the dividend, attach it to 9 and continue: 94 / 20

Going ahead to step 2:
94 divided by 20 is 4 with a remainder of 14.
Put 4 as the next digit of the answer. 
Result so far: 4.0
Subtracting 80 from 94 leaves us with 14.
Grab the next digit (4) from the dividend, add it to 14, then carry on: 144 / 20

Moving on to step 3:
The number 20 fits into 144 7 times, leaving a remainder of 4.
The number 7 becomes the next digit in our result. 
Result so far: 47.0
The remainder is 4 after subtracting 140 from 144.
Grab the next digit (8) from the dividend, add it to 4, then carry on: 48 / 20

Going ahead to step 4:
When dividing 48 by 20, we get 2 with a remainder of 8.
Write down 2 as next digit of the result. 
Result so far: 472.0
The remainder is 8 after subtracting 40 from 48.
Grab the next digit (8) from the dividend, add it to 8, then carry on: 88 / 20

On to step 5:
88 divided by 20 is 4 with a remainder of 8.
Put 4 as the next digit of the answer. 
Result so far: 4724.0
Subtracting 80 from 88 leaves us with 8.
Append the next digit (1) from the dividend to 8 and continue with: 81 / 20

Moving on to step 6:
If we divide 81 by 20, we get 4 and a remainder of 1.
The next digit of our result is 4. 
Result so far: 47244.0
The remainder is 1 after subtracting 80 from 81.
Since there are no more digits in the dividend, we add a zero to the remainder making it 10, and continue the process.

Moving on to step 7:
20 can be fit into 10 0 times, resulting in a remainder of 10.
Record the quotient 0 as the next digit in the result. 
Result so far: 47244.0
Subtract 0 from 10 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.

Moving on to step 8:
20 goes into 100 5 times with a remainder of 0.
Put 5 as the next digit of the answer. 
Result so far: 47244.05
Deduct 100 from 100 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.

Advancing to step 9:
20 can be fit into 0 0 times, resulting in a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 47244.05
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 10:
0 divided by 20 is 0 with a remainder of 0.
The next digit of our result is 0. 
Result so far: 47244.05
Subtracting 0 from 0 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.

Our division results in 47244.05 with a remaining 0.0.