423963 ÷ 20 
The aim is to understand the frequency of 20 in 423963.

Moving on to step 1:
If we divide 4 by 20, we get 0 and a remainder of 4.
The next digit of our result is 0. 
Result so far: 0.0
Subtracting 0 from 4 leaves us with 4.
Include the next digit (2) from the dividend after 4, then repeat: 42 / 20

On to step 2:
When dividing 42 by 20, we get 2 with a remainder of 2.
The next digit of our result is 2. 
Result so far: 2.0
If we take 40 away from 42, we end up with 2.
Include the next digit (3) from the dividend after 2, then repeat: 23 / 20

Going ahead to step 3:
23 divided by 20 is 1 with a remainder of 3.
Write down 1 as next digit of the result. 
Result so far: 21.0
If we subtract 20 from 23, we get 3.
Grab the next digit (9) from the dividend, add it to 3, then carry on: 39 / 20

Going ahead to step 4:
If we divide 39 by 20, we get 1 and a remainder of 19.
Write down 1 as next digit of the result. 
Result so far: 211.0
Deduct 20 from 39 and we're left with 19.
Fetch the next digit (6) from the dividend, attach it to 19 and continue: 196 / 20

On to step 5:
The number 20 fits into 196 9 times, leaving a remainder of 16.
Write down 9 as next digit of the result. 
Result so far: 2119.0
Subtract 180 from 196 to get 16.
Append the next digit (3) from the dividend to 16 and continue with: 163 / 20

On to step 6:
When dividing 163 by 20, we get 8 with a remainder of 3.
Record the quotient 8 as the next digit in the result. 
Result so far: 21198.0
Deduct 160 from 163 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.

Moving on to step 7:
When dividing 30 by 20, we get 1 with a remainder of 10.
Put 1 as the next digit of the answer. 
Result so far: 21198.1
The remainder is 10 after subtracting 20 from 30.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Step 8:
If we divide 100 by 20, we get 5 and a remainder of 0.
Put 5 as the next digit of the answer. 
Result so far: 21198.15
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.

Let's proceed to step 9:
0 divided by 20 is 0 with a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 21198.15
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.

Let's proceed to step 10:
0 divided by 20 is 0 with a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 21198.15
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 21198.15 with a balance of 0.0.