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\begin{array}{l}\phantom{20)}\phantom{1}\\20\overline{)864}\\\end{array}
Use the 1^{st} digit 8 from dividend 864
\begin{array}{l}\phantom{20)}0\phantom{2}\\20\overline{)864}\\\end{array}
Since 8 is less than 20, use the next digit 6 from dividend 864 and add 0 to the quotient
\begin{array}{l}\phantom{20)}0\phantom{3}\\20\overline{)864}\\\end{array}
Use the 2^{nd} digit 6 from dividend 864
\begin{array}{l}\phantom{20)}04\phantom{4}\\20\overline{)864}\\\phantom{20)}\underline{\phantom{}80\phantom{9}}\\\phantom{20)9}6\\\end{array}
Find closest multiple of 20 to 86. We see that 4 \times 20 = 80 is the nearest. Now subtract 80 from 86 to get reminder 6. Add 4 to quotient.
\begin{array}{l}\phantom{20)}04\phantom{5}\\20\overline{)864}\\\phantom{20)}\underline{\phantom{}80\phantom{9}}\\\phantom{20)9}64\\\end{array}
Use the 3^{rd} digit 4 from dividend 864
\begin{array}{l}\phantom{20)}043\phantom{6}\\20\overline{)864}\\\phantom{20)}\underline{\phantom{}80\phantom{9}}\\\phantom{20)9}64\\\phantom{20)}\underline{\phantom{9}60\phantom{}}\\\phantom{20)99}4\\\end{array}
Find closest multiple of 20 to 64. We see that 3 \times 20 = 60 is the nearest. Now subtract 60 from 64 to get reminder 4. Add 3 to quotient.
\text{Quotient: }43 \text{Reminder: }4
Since 4 is less than 20, stop the division. The reminder is 4. The topmost line 043 is the quotient. Remove all zeros at the start of the quotient to get the actual quotient 43.