197165 ÷ 20 
Our goal is to divide 197165 by 20.

On to step 1:
When dividing 1 by 20, we get 0 with a remainder of 1.
Record the quotient 0 as the next digit in the result. 
Result so far: 0.0
Subtracting 0 from 1 leaves us with 1.
Fetch the next digit (9) from the dividend, attach it to 1 and continue: 19 / 20

On to step 2:
When dividing 19 by 20, we get 0 with a remainder of 19.
Record the quotient 0 as the next digit in the result. 
Result so far: 0.0
Subtract 0 from 19 to get 19.
Append the next digit (7) from the dividend to 19 and continue with: 197 / 20

Going ahead to step 3:
When dividing 197 by 20, we get 9 with a remainder of 17.
Put 9 as the next digit of the answer. 
Result so far: 9.0
If we subtract 180 from 197, we get 17.
Grab the next digit (1) from the dividend, add it to 17, then carry on: 171 / 20

Moving on to step 4:
20 can be fit into 171 8 times, resulting in a remainder of 11.
The next digit of our result is 8. 
Result so far: 98.0
If we take 160 away from 171, we end up with 11.
Fetch the next digit (6) from the dividend, attach it to 11 and continue: 116 / 20

On to step 5:
The number 20 fits into 116 5 times, leaving a remainder of 16.
Record the quotient 5 as the next digit in the result. 
Result so far: 985.0
The remainder is 16 after subtracting 100 from 116.
Append the next digit (5) from the dividend to 16 and continue with: 165 / 20

Moving on to step 6:
20 goes into 165 8 times with a remainder of 5.
The next digit of our result is 8. 
Result so far: 9858.0
If we subtract 160 from 165, we get 5.
Since there are no more digits in the dividend, we add a zero to the remainder making it 50, and continue the process.

Let's proceed to step 7:
The number 20 fits into 50 2 times, leaving a remainder of 10.
The next digit of our result is 2. 
Result so far: 9858.2
Deduct 40 from 50 and we're left with 10.
Since there are no more digits in the dividend, we add a zero to the remainder making it 100, and continue the process.

Step 8:
20 goes into 100 5 times with a remainder of 0.
The number 5 becomes the next digit in our result. 
Result so far: 9858.25
If we subtract 100 from 100, 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.

Let's proceed to step 9:
20 goes into 0 0 times with a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 9858.25
If we subtract 0 from 0, 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.

Going ahead to step 10:
The number 20 fits into 0 0 times, leaving a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 9858.25
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.

After the division, we end up with 9858.25 and a remainder of 0.0.