195320 ÷ 16 
We're looking to find how many times 16 goes into 195320.

Moving on to step 1:
1 divided by 16 is 0 with a remainder of 1.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
If we take 0 away from 1, we end up with 1.
Grab the next digit (9) from the dividend, add it to 1, then carry on: 19 / 16

Going ahead to step 2:
The number 16 fits into 19 1 times, leaving a remainder of 3.
Put 1 as the next digit of the answer. 
Result so far: 1.0
Subtract 16 from 19 to get 3.
Append the next digit (5) from the dividend to 3 and continue with: 35 / 16

Advancing to step 3:
When dividing 35 by 16, we get 2 with a remainder of 3.
The next digit of our result is 2. 
Result so far: 12.0
Deduct 32 from 35 and we're left with 3.
Grab the next digit (3) from the dividend, add it to 3, then carry on: 33 / 16

Let's proceed to step 4:
33 divided by 16 is 2 with a remainder of 1.
Use 2 as the next digit of our solution. 
Result so far: 122.0
Subtract 32 from 33 to get 1.
Bring next digit (2) of the dividend behind the 1 and repeat the process: 12 / 16

Let's proceed to step 5:
16 can be fit into 12 0 times, resulting in a remainder of 12.
Use 0 as the next digit of our solution. 
Result so far: 1220.0
Deduct 0 from 12 and we're left with 12.
Fetch the next digit (0) from the dividend, attach it to 12 and continue: 120 / 16

On to step 6:
120 divided by 16 is 7 with a remainder of 8.
The next digit of our result is 7. 
Result so far: 12207.0
Subtracting 112 from 120 leaves us with 8.
Since there are no more digits in the dividend, we add a zero to the remainder making it 80, and continue the process.

Advancing to step 7:
If we divide 80 by 16, we get 5 and a remainder of 0.
Use 5 as the next digit of our solution. 
Result so far: 12207.5
The remainder is 0 after subtracting 80 from 80.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

Step 8:
When dividing 0 by 16, we get 0 with a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 12207.5
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.

Moving on to step 9:
If we divide 0 by 16, we get 0 and a remainder of 0.
The number 0 becomes the next digit in our result. 
Result so far: 12207.5
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.

In conclusion, the division gives 12207.5 with a balance of 0.0.