We look at the division of 932267 by 95 
The aim is to understand the frequency of 95 in 932267.

On to step 1:
If we divide 9 by 95, we get 0 and a remainder of 9.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
Subtracting 0 from 9 leaves us with 9.
Append the next digit (3) from the dividend to 9 and continue with: 93 / 95

Going ahead to step 2:
93 divided by 95 is 0 with a remainder of 93.
Put 0 as the next digit of the answer. 
Result so far: 0.0
The remainder is 93 after subtracting 0 from 93.
Append the next digit (2) from the dividend to 93 and continue with: 932 / 95

Moving on to step 3:
95 goes into 932 9 times with a remainder of 77.
Put 9 as the next digit of the answer. 
Result so far: 9.0
If we subtract 855 from 932, we get 77.
Grab the next digit (2) from the dividend, add it to 77, then carry on: 772 / 95

On to step 4:
The number 95 fits into 772 8 times, leaving a remainder of 12.
Put 8 as the next digit of the answer. 
Result so far: 98.0
Subtract 760 from 772 to get 12.
Fetch the next digit (6) from the dividend, attach it to 12 and continue: 126 / 95

Advancing to step 5:
If we divide 126 by 95, we get 1 and a remainder of 31.
Put 1 as the next digit of the answer. 
Result so far: 981.0
If we subtract 95 from 126, we get 31.
Bring next digit (7) of the dividend behind the 31 and repeat the process: 317 / 95

Step 6:
If we divide 317 by 95, we get 3 and a remainder of 32.
Record the quotient 3 as the next digit in the result. 
Result so far: 9813.0
Subtracting 285 from 317 leaves us with 32.
Since there are no more digits in the dividend, we add a zero to the remainder making it 320, and continue the process.

Advancing to step 7:
95 goes into 320 3 times with a remainder of 35.
Use 3 as the next digit of our solution. 
Result so far: 9813.3
If we subtract 285 from 320, we get 35.
Since there are no more digits in the dividend, we add a zero to the remainder making it 350, and continue the process.

Going ahead to step 8:
350 divided by 95 is 3 with a remainder of 65.
The number 3 becomes the next digit in our result. 
Result so far: 9813.33
Deduct 285 from 350 and we're left with 65.
Since there are no more digits in the dividend, we add a zero to the remainder making it 650, and continue the process.

After the division, we end up with 9813.33 and a remainder of 0.065.