320645 ÷ 98 
The aim is to understand the frequency of 98 in 320645.

Going ahead to step 1:
If we divide 3 by 98, we get 0 and a remainder of 3.
Use 0 as the next digit of our solution. 
Result so far: 0.0
Subtracting 0 from 3 leaves us with 3.
Append the next digit (2) from the dividend to 3 and continue with: 32 / 98

Moving on to step 2:
32 divided by 98 is 0 with a remainder of 32.
Put 0 as the next digit of the answer. 
Result so far: 0.0
Subtracting 0 from 32 leaves us with 32.
Append the next digit (0) from the dividend to 32 and continue with: 320 / 98

Let's proceed to step 3:
320 divided by 98 is 3 with a remainder of 26.
The number 3 becomes the next digit in our result. 
Result so far: 3.0
Subtract 294 from 320 to get 26.
Bring next digit (6) of the dividend behind the 26 and repeat the process: 266 / 98

Advancing to step 4:
266 divided by 98 is 2 with a remainder of 70.
Write down 2 as next digit of the result. 
Result so far: 32.0
Subtract 196 from 266 to get 70.
Bring next digit (4) of the dividend behind the 70 and repeat the process: 704 / 98

Moving on to step 5:
When dividing 704 by 98, we get 7 with a remainder of 18.
Use 7 as the next digit of our solution. 
Result so far: 327.0
If we subtract 686 from 704, we get 18.
Grab the next digit (5) from the dividend, add it to 18, then carry on: 185 / 98

Advancing to step 6:
The number 98 fits into 185 1 times, leaving a remainder of 87.
The next digit of our result is 1. 
Result so far: 3271.0
If we subtract 98 from 185, we get 87.
Since there are no more digits in the dividend, we add a zero to the remainder making it 870, and continue the process.

Advancing to step 7:
98 goes into 870 8 times with a remainder of 86.
Use 8 as the next digit of our solution. 
Result so far: 3271.8
If we subtract 784 from 870, we get 86.
Since there are no more digits in the dividend, we add a zero to the remainder making it 860, and continue the process.

Going ahead to step 8:
860 divided by 98 is 8 with a remainder of 76.
Put 8 as the next digit of the answer. 
Result so far: 3271.88
If we take 784 away from 860, we end up with 76.
Since there are no more digits in the dividend, we add a zero to the remainder making it 760, and continue the process.

The final outcome is 3271.88, with a leftover of 0.076.