818195 ÷ 20 
We're looking to find how many times 20 goes into 818195.

Moving on to step 1:
8 divided by 20 is 0 with a remainder of 8.
The number 0 becomes the next digit in our result. 
Result so far: 0.0
Subtract 0 from 8 to get 8.
Include the next digit (1) from the dividend after 8, then repeat: 81 / 20

Let's proceed to step 2:
If we divide 81 by 20, we get 4 and a remainder of 1.
The next digit of our result is 4. 
Result so far: 4.0
Deduct 80 from 81 and we're left with 1.
Take the next digit (8) from the dividend and append it to 1, then repeat: 18 / 20

Step 3:
20 goes into 18 0 times with a remainder of 18.
Write down 0 as next digit of the result. 
Result so far: 40.0
If we subtract 0 from 18, we get 18.
Append the next digit (1) from the dividend to 18 and continue with: 181 / 20

Going ahead to step 4:
The number 20 fits into 181 9 times, leaving a remainder of 1.
Record the quotient 9 as the next digit in the result. 
Result so far: 409.0
If we take 180 away from 181, we end up with 1.
Include the next digit (9) from the dividend after 1, then repeat: 19 / 20

Advancing to step 5:
20 can be fit into 19 0 times, resulting in a remainder of 19.
Record the quotient 0 as the next digit in the result. 
Result so far: 4090.0
Deduct 0 from 19 and we're left with 19.
Include the next digit (5) from the dividend after 19, then repeat: 195 / 20

Going ahead to step 6:
20 goes into 195 9 times with a remainder of 15.
Put 9 as the next digit of the answer. 
Result so far: 40909.0
Subtract 180 from 195 to get 15.
Since there are no more digits in the dividend, we add a zero to the remainder making it 150, and continue the process.

Let's proceed to step 7:
150 divided by 20 is 7 with a remainder of 10.
Record the quotient 7 as the next digit in the result. 
Result so far: 40909.7
Subtract 140 from 150 to get 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.
Write down 5 as next digit of the result. 
Result so far: 40909.75
The remainder is 0 after subtracting 100 from 100.
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:
0 divided by 20 is 0 with a remainder of 0.
Write down 0 as next digit of the result. 
Result so far: 40909.75
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.

Moving on to step 10:
20 can be fit into 0 0 times, resulting in a remainder of 0.
The next digit of our result is 0. 
Result so far: 40909.75
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.

In conclusion, the division gives 40909.75 with a balance of 0.0.