86197 ÷ 95 
Let's see how many times 95 fits into 86197.

Going ahead to step 1:
8 divided by 95 is 0 with a remainder of 8.
Put 0 as the next digit of the answer. 
Result so far: 0.0
Deduct 0 from 8 and we're left with 8.
Take the next digit (6) from the dividend and append it to 8, then repeat: 86 / 95

Let's proceed to step 2:
95 can be fit into 86 0 times, resulting in a remainder of 86.
The next digit of our result is 0. 
Result so far: 0.0
If we subtract 0 from 86, we get 86.
Grab the next digit (1) from the dividend, add it to 86, then carry on: 861 / 95

On to step 3:
95 goes into 861 9 times with a remainder of 6.
Write down 9 as next digit of the result. 
Result so far: 9.0
If we take 855 away from 861, we end up with 6.
Grab the next digit (9) from the dividend, add it to 6, then carry on: 69 / 95

Advancing to step 4:
The number 95 fits into 69 0 times, leaving a remainder of 69.
The next digit of our result is 0. 
Result so far: 90.0
Subtract 0 from 69 to get 69.
Append the next digit (7) from the dividend to 69 and continue with: 697 / 95

Advancing to step 5:
697 divided by 95 is 7 with a remainder of 32.
The number 7 becomes the next digit in our result. 
Result so far: 907.0
If we subtract 665 from 697, we get 32.
Since there are no more digits in the dividend, we add a zero to the remainder making it 320, and continue the process.

Step 6:
320 divided by 95 is 3 with a remainder of 35.
The next digit of our result is 3. 
Result so far: 907.3
Deduct 285 from 320 and we're left with 35.
Since there are no more digits in the dividend, we add a zero to the remainder making it 350, and continue the process.

Moving on to step 7:
350 divided by 95 is 3 with a remainder of 65.
The next digit of our result is 3. 
Result so far: 907.33
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.

Our division results in 907.33 with a remaining 0.065.