820423 ÷ 98 
The aim is to understand the frequency of 98 in 820423.

On to step 1:
When dividing 8 by 98, we get 0 with a remainder of 8.
Write down 0 as next digit of the result. 
Result so far: 0.0
If we take 0 away from 8, we end up with 8.
Include the next digit (2) from the dividend after 8, then repeat: 82 / 98

Advancing to step 2:
98 can be fit into 82 0 times, resulting in a remainder of 82.
The next digit of our result is 0. 
Result so far: 0.0
Subtract 0 from 82 to get 82.
Take the next digit (0) from the dividend and append it to 82, then repeat: 820 / 98

Moving on to step 3:
820 divided by 98 is 8 with a remainder of 36.
Write down 8 as next digit of the result. 
Result so far: 8.0
Deduct 784 from 820 and we're left with 36.
Take the next digit (4) from the dividend and append it to 36, then repeat: 364 / 98

Moving on to step 4:
When dividing 364 by 98, we get 3 with a remainder of 70.
Put 3 as the next digit of the answer. 
Result so far: 83.0
Subtract 294 from 364 to get 70.
Include the next digit (2) from the dividend after 70, then repeat: 702 / 98

Moving on to step 5:
98 goes into 702 7 times with a remainder of 16.
The next digit of our result is 7. 
Result so far: 837.0
Deduct 686 from 702 and we're left with 16.
Take the next digit (3) from the dividend and append it to 16, then repeat: 163 / 98

Let's proceed to step 6:
If we divide 163 by 98, we get 1 and a remainder of 65.
The next digit of our result is 1. 
Result so far: 8371.0
The remainder is 65 after subtracting 98 from 163.
Since there are no more digits in the dividend, we add a zero to the remainder making it 650, and continue the process.

Let's proceed to step 7:
If we divide 650 by 98, we get 6 and a remainder of 62.
The next digit of our result is 6. 
Result so far: 8371.6
Subtract 588 from 650 to get 62.
Since there are no more digits in the dividend, we add a zero to the remainder making it 620, and continue the process.

Advancing to step 8:
When dividing 620 by 98, we get 6 with a remainder of 32.
The next digit of our result is 6. 
Result so far: 8371.66
The remainder is 32 after subtracting 588 from 620.
Since there are no more digits in the dividend, we add a zero to the remainder making it 320, and continue the process.

After the division, we end up with 8371.66 and a remainder of 0.032.