We look at the division of 812695 by 20 
We're looking to find how many times 20 goes into 812695.

Let's proceed to step 1:
If we divide 8 by 20, we get 0 and a remainder of 8.
Write down 0 as next digit of the result. 
Result so far: 0.0
If we subtract 0 from 8, we get 8.
Append the next digit (1) from the dividend to 8 and continue with: 81 / 20

Moving on to step 2:
If we divide 81 by 20, we get 4 and a remainder of 1.
Record the quotient 4 as the next digit in the result. 
Result so far: 4.0
If we take 80 away from 81, we end up with 1.
Bring next digit (2) of the dividend behind the 1 and repeat the process: 12 / 20

Going ahead to step 3:
When dividing 12 by 20, we get 0 with a remainder of 12.
The number 0 becomes the next digit in our result. 
Result so far: 40.0
The remainder is 12 after subtracting 0 from 12.
Take the next digit (6) from the dividend and append it to 12, then repeat: 126 / 20

Going ahead to step 4:
20 goes into 126 6 times with a remainder of 6.
The next digit of our result is 6. 
Result so far: 406.0
If we subtract 120 from 126, we get 6.
Grab the next digit (9) from the dividend, add it to 6, then carry on: 69 / 20

Advancing to step 5:
20 can be fit into 69 3 times, resulting in a remainder of 9.
Write down 3 as next digit of the result. 
Result so far: 4063.0
Deduct 60 from 69 and we're left with 9.
Fetch the next digit (5) from the dividend, attach it to 9 and continue: 95 / 20

Moving on to step 6:
If we divide 95 by 20, we get 4 and a remainder of 15.
Write down 4 as next digit of the result. 
Result so far: 40634.0
The remainder is 15 after subtracting 80 from 95.
Since there are no more digits in the dividend, we add a zero to the remainder making it 150, and continue the process.

Let's proceed to step 7:
20 can be fit into 150 7 times, resulting in a remainder of 10.
Put 7 as the next digit of the answer. 
Result so far: 40634.7
Deduct 140 from 150 and we're left with 10.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Advancing to step 8:
The number 20 fits into 100 5 times, leaving a remainder of 0.
Write down 5 as next digit of the result. 
Result so far: 40634.75
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.

Advancing to step 9:
20 goes into 0 0 times with a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 40634.75
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.

Step 10:
0 divided by 20 is 0 with a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 40634.75
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.

In conclusion, the division gives 40634.75 with a balance of 0.0.