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405 ÷ 4 = 101 with remainder 1 or 101.25 times.
101 with 2 remaining 406 - 2 = 404 = 4 x 101
8 with remainder 5.
Well, darling, 24 goes into 101 a grand total of 4 times with a remainder of 5. So, you can fit 24 into 101 four times before you have to deal with that pesky little leftover 5. Math can be a real party pooper sometimes, can't it?
How many times does 5 go into 20 ?