We look at the division of 748106 by 20 
The aim is to understand the frequency of 20 in 748106.

Step 1:
The number 20 fits into 7 0 times, leaving a remainder of 7.
Use 0 as the next digit of our solution. 
Result so far: 0.0
If we subtract 0 from 7, we get 7.
Bring next digit (4) of the dividend behind the 7 and repeat the process: 74 / 20

On to step 2:
74 divided by 20 is 3 with a remainder of 14.
The number 3 becomes the next digit in our result. 
Result so far: 3.0
Subtracting 60 from 74 leaves us with 14.
Include the next digit (8) from the dividend after 14, then repeat: 148 / 20

Step 3:
When dividing 148 by 20, we get 7 with a remainder of 8.
Record the quotient 7 as the next digit in the result. 
Result so far: 37.0
The remainder is 8 after subtracting 140 from 148.
Append the next digit (1) from the dividend to 8 and continue with: 81 / 20

Let's proceed to step 4:
81 divided by 20 is 4 with a remainder of 1.
The number 4 becomes the next digit in our result. 
Result so far: 374.0
Subtracting 80 from 81 leaves us with 1.
Fetch the next digit (0) from the dividend, attach it to 1 and continue: 10 / 20

Step 5:
20 can be fit into 10 0 times, resulting in a remainder of 10.
Use 0 as the next digit of our solution. 
Result so far: 3740.0
Subtracting 0 from 10 leaves us with 10.
Bring next digit (6) of the dividend behind the 10 and repeat the process: 106 / 20

Let's proceed to step 6:
When dividing 106 by 20, we get 5 with a remainder of 6.
The number 5 becomes the next digit in our result. 
Result so far: 37405.0
Subtract 100 from 106 to get 6.
Since there are no more digits in the dividend, we add a zero to the remainder making it 60, and continue the process.

Advancing to step 7:
If we divide 60 by 20, we get 3 and a remainder of 0.
Record the quotient 3 as the next digit in the result. 
Result so far: 37405.3
Subtract 60 from 60 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.

Going ahead to step 8:
When dividing 0 by 20, we get 0 with a remainder of 0.
The next digit of our result is 0. 
Result so far: 37405.3
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.

Moving on to step 9:
20 goes into 0 0 times with a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 37405.3
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.

After the division, we end up with 37405.3 and a remainder of 0.0.