We look at the division of 3972658 by 20 
We want to divide 3972658 by 20.

Moving on to step 1:
When dividing 3 by 20, we get 0 with a remainder of 3.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
If we take 0 away from 3, we end up with 3.
Bring next digit (9) of the dividend behind the 3 and repeat the process: 39 / 20

Let's proceed to step 2:
If we divide 39 by 20, we get 1 and a remainder of 19.
The number 1 becomes the next digit in our result. 
Result so far: 1.0
The remainder is 19 after subtracting 20 from 39.
Include the next digit (7) from the dividend after 19, then repeat: 197 / 20

Moving on to step 3:
20 can be fit into 197 9 times, resulting in a remainder of 17.
Write down 9 as next digit of the result. 
Result so far: 19.0
If we subtract 180 from 197, we get 17.
Take the next digit (2) from the dividend and append it to 17, then repeat: 172 / 20

Let's proceed to step 4:
172 divided by 20 is 8 with a remainder of 12.
Write down 8 as next digit of the result. 
Result so far: 198.0
If we take 160 away from 172, we end up with 12.
Take the next digit (6) from the dividend and append it to 12, then repeat: 126 / 20

Step 5:
The number 20 fits into 126 6 times, leaving a remainder of 6.
Record the quotient 6 as the next digit in the result. 
Result so far: 1986.0
Subtract 120 from 126 to get 6.
Include the next digit (5) from the dividend after 6, then repeat: 65 / 20

Advancing to step 6:
If we divide 65 by 20, we get 3 and a remainder of 5.
Write down 3 as next digit of the result. 
Result so far: 19863.0
If we take 60 away from 65, we end up with 5.
Fetch the next digit (8) from the dividend, attach it to 5 and continue: 58 / 20

Moving on to step 7:
If we divide 58 by 20, we get 2 and a remainder of 18.
The next digit of our result is 2. 
Result so far: 198632.0
The remainder is 18 after subtracting 40 from 58.
Since there are no more digits in the dividend, we add a zero to the remainder making it 180, and continue the process.

Advancing to step 8:
If we divide 180 by 20, we get 9 and a remainder of 0.
The next digit of our result is 9. 
Result so far: 198632.9
If we subtract 180 from 180, we 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.

On to step 9:
If we divide 0 by 20, we get 0 and a remainder of 0.
Record the quotient 0 as the next digit in the result. 
Result so far: 198632.9
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.

On to step 10:
0 divided by 20 is 0 with a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 198632.9
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.

The quotient of the division is 198632.9, and the remainder is 0.0.