860895 divided by 20 
We want to figure out the number of times 860895 can be divided by 20.

On to step 1:
The number 20 fits into 8 0 times, leaving a remainder of 8.
Put 0 as the next digit of the answer. 
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

Step 2:
86 divided by 20 is 4 with a remainder of 6.
The number 4 becomes the next digit in our result. 
Result so far: 4.0
Subtracting 80 from 86 leaves us with 6.
Take the next digit (0) from the dividend and append it to 6, then repeat: 60 / 20

Moving on to step 3:
20 goes into 60 3 times with a remainder of 0.
The number 3 becomes the next digit in our result. 
Result so far: 43.0
If we take 60 away from 60, we end up with 0.
Append the next digit (8) from the dividend to 0 and continue with: 8 / 20

Advancing to step 4:
8 divided by 20 is 0 with a remainder of 8.
Record the quotient 0 as the next digit in the result. 
Result so far: 430.0
Subtracting 0 from 8 leaves us with 8.
Take the next digit (9) from the dividend and append it to 8, then repeat: 89 / 20

On to step 5:
89 divided by 20 is 4 with a remainder of 9.
Record the quotient 4 as the next digit in the result. 
Result so far: 4304.0
Subtract 80 from 89 to get 9.
Fetch the next digit (5) from the dividend, attach it to 9 and continue: 95 / 20

Step 6:
The number 20 fits into 95 4 times, leaving a remainder of 15.
Put 4 as the next digit of the answer. 
Result so far: 43044.0
Deduct 80 from 95 and we're left with 15.
Since there are no more digits in the dividend, we add a zero to the remainder making it 150, and continue the process.

Moving on to step 7:
The number 20 fits into 150 7 times, leaving a remainder of 10.
Put 7 as the next digit of the answer. 
Result so far: 43044.7
If we take 140 away from 150, we end up 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.

On to step 8:
100 divided by 20 is 5 with a remainder of 0.
The number 5 becomes the next digit in our result. 
Result so far: 43044.75
If we take 100 away from 100, 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.

Going ahead to step 9:
If we divide 0 by 20, we get 0 and a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 43044.75
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.

Going ahead to step 10:
0 divided by 20 is 0 with a remainder of 0.
Put 0 as the next digit of the answer. 
Result so far: 43044.75
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 43044.75 and a remainder of 0.0.