1. Stating the problem: We need to divide 12.96 by 3.2. 2. Convert the division into a fraction for easier calculation: $$ \frac{12.96}{3.2} $$. 3. To simplify, multiply numerator and denominator by 10 to eliminate the decimal from the denominator: $$ \frac{12.96 \times 10}{3.2 \times 10} = \frac{129.6}{32} $$. 4. Now divide 129.6 by 32: 32 goes into 129 four times (since 32 \times 4 = 128), remainder 1.6. 5. Bring down the remainder 1.6, think of it as 16 when multiplied by 10; 32 goes into 16 zero times. 6. Adding decimal points and continuing division, 32 goes into 160 five times (32 \times 5 = 160) with no remainder. 7. Thus, the quotient is 4.05. Final answer: $$ 12.96 \div 3.2 = 4.05 $$