We look at the division of 464972 by 20 
We're looking to find how many times 20 goes into 464972.

Step 1:
20 goes into 4 0 times with a remainder of 4.
The next digit of our result is 0. 
Result so far: 0.0
If we take 0 away from 4, we end up with 4.
Append the next digit (6) from the dividend to 4 and continue with: 46 / 20

Step 2:
46 divided by 20 is 2 with a remainder of 6.
The next digit of our result is 2. 
Result so far: 2.0
If we take 40 away from 46, we end up with 6.
Take the next digit (4) from the dividend and append it to 6, then repeat: 64 / 20

On to step 3:
20 can be fit into 64 3 times, resulting in a remainder of 4.
Put 3 as the next digit of the answer. 
Result so far: 23.0
The remainder is 4 after subtracting 60 from 64.
Include the next digit (9) from the dividend after 4, then repeat: 49 / 20

Step 4:
49 divided by 20 is 2 with a remainder of 9.
Record the quotient 2 as the next digit in the result. 
Result so far: 232.0
If we take 40 away from 49, we end up with 9.
Bring next digit (7) of the dividend behind the 9 and repeat the process: 97 / 20

Let's proceed to step 5:
If we divide 97 by 20, we get 4 and a remainder of 17.
Write down 4 as next digit of the result. 
Result so far: 2324.0
The remainder is 17 after subtracting 80 from 97.
Append the next digit (2) from the dividend to 17 and continue with: 172 / 20

On to step 6:
If we divide 172 by 20, we get 8 and a remainder of 12.
Use 8 as the next digit of our solution. 
Result so far: 23248.0
If we subtract 160 from 172, we get 12.
Since there are no more digits in the dividend, we add a zero to the remainder making it 120, and continue the process.

Step 7:
If we divide 120 by 20, we get 6 and a remainder of 0.
The next digit of our result is 6. 
Result so far: 23248.6
Deduct 120 from 120 and we're left 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 8:
20 goes into 0 0 times with a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 23248.6
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.

On to step 9:
When dividing 0 by 20, we get 0 with a remainder of 0.
Use 0 as the next digit of our solution. 
Result so far: 23248.6
The remainder is 0 after subtracting 0 from 0.
Since there are no more digits in the dividend, we add a zero to the remainder making it 0, and continue the process.

In conclusion, the division gives 23248.6 with a balance of 0.0.