860194 ÷ 20 
We want to figure out the number of times 860194 can be divided by 20.

Let's proceed to step 1:
If we divide 8 by 20, we get 0 and a remainder of 8.
Write down 0 as next digit of the result. 
Result so far: 0.0
Deduct 0 from 8 and we're left with 8.
Bring next digit (6) of the dividend behind the 8 and repeat the process: 86 / 20

Moving on to step 2:
If we divide 86 by 20, we get 4 and a remainder of 6.
Record the quotient 4 as the next digit in the result. 
Result so far: 4.0
The remainder is 6 after subtracting 80 from 86.
Fetch the next digit (0) from the dividend, attach it to 6 and continue: 60 / 20

Advancing to step 3:
20 can be fit into 60 3 times, resulting in a remainder of 0.
The number 3 becomes the next digit in our result. 
Result so far: 43.0
Subtract 60 from 60 to get 0.
Append the next digit (1) from the dividend to 0 and continue with: 1 / 20

Advancing to step 4:
20 can be fit into 1 0 times, resulting in a remainder of 1.
The next digit of our result is 0. 
Result so far: 430.0
If we subtract 0 from 1, we get 1.
Take the next digit (9) from the dividend and append it to 1, then repeat: 19 / 20

Advancing to step 5:
When dividing 19 by 20, we get 0 with a remainder of 19.
Write down 0 as next digit of the result. 
Result so far: 4300.0
Subtracting 0 from 19 leaves us with 19.
Bring next digit (4) of the dividend behind the 19 and repeat the process: 194 / 20

Let's proceed to step 6:
The number 20 fits into 194 9 times, leaving a remainder of 14.
Use 9 as the next digit of our solution. 
Result so far: 43009.0
Subtract 180 from 194 to get 14.
Since there are no more digits in the dividend, we add a zero to the remainder making it 140, and continue the process.

Moving on to step 7:
If we divide 140 by 20, we get 7 and a remainder of 0.
Use 7 as the next digit of our solution. 
Result so far: 43009.7
The remainder is 0 after subtracting 140 from 140.
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 8:
When dividing 0 by 20, we get 0 with a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 43009.7
Subtracting 0 from 0 leaves us 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.

Let's proceed to step 9:
20 goes into 0 0 times with a remainder of 0.
The next digit of our result is 0. 
Result so far: 43009.7
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.

Our division results in 43009.7 with a remaining 0.0.