We look at the division of 972860 by 48 
We're looking to find how many times 48 goes into 972860.

Advancing to step 1:
When dividing 9 by 48, we get 0 with a remainder of 9.
Use 0 as the next digit of our solution. 
Result so far: 0.0
Subtract 0 from 9 to get 9.
Bring next digit (7) of the dividend behind the 9 and repeat the process: 97 / 48

Step 2:
48 can be fit into 97 2 times, resulting in a remainder of 1.
Write down 2 as next digit of the result. 
Result so far: 2.0
If we subtract 96 from 97, we get 1.
Append the next digit (2) from the dividend to 1 and continue with: 12 / 48

Advancing to step 3:
48 goes into 12 0 times with a remainder of 12.
The number 0 becomes the next digit in our result. 
Result so far: 20.0
Subtracting 0 from 12 leaves us with 12.
Fetch the next digit (8) from the dividend, attach it to 12 and continue: 128 / 48

Step 4:
The number 48 fits into 128 2 times, leaving a remainder of 32.
Put 2 as the next digit of the answer. 
Result so far: 202.0
If we subtract 96 from 128, we get 32.
Append the next digit (6) from the dividend to 32 and continue with: 326 / 48

Going ahead to step 5:
48 goes into 326 6 times with a remainder of 38.
Use 6 as the next digit of our solution. 
Result so far: 2026.0
If we subtract 288 from 326, we get 38.
Fetch the next digit (0) from the dividend, attach it to 38 and continue: 380 / 48

Step 6:
380 divided by 48 is 7 with a remainder of 44.
The next digit of our result is 7. 
Result so far: 20267.0
If we take 336 away from 380, we end up with 44.
Since there are no more digits in the dividend, we add a zero to the remainder making it 440, and continue the process.

Step 7:
48 can be fit into 440 9 times, resulting in a remainder of 8.
Use 9 as the next digit of our solution. 
Result so far: 20267.9
If we take 432 away from 440, we end up 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.

Let's proceed to step 8:
The number 48 fits into 80 1 times, leaving a remainder of 32.
Record the quotient 1 as the next digit in the result. 
Result so far: 20267.91
Subtract 48 from 80 to 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.

Advancing to step 9:
If we divide 320 by 48, we get 6 and a remainder of 32.
Write down 6 as next digit of the result. 
Result so far: 20267.916
Deduct 288 from 320 and we're left with 32.
Since there are no more digits in the dividend, we add a zero to the remainder making it 320, and continue the process.

Advancing to step 10:
320 divided by 48 is 6 with a remainder of 32.
The number 6 becomes the next digit in our result. 
Result so far: 20267.9166
Deduct 288 from 320 and we're left with 32.
Since there are no more digits in the dividend, we add a zero to the remainder making it 320, and continue the process.

In conclusion, the division gives 20267.9166 with a balance of 0.00032.