Why it happens: this is ordinary long division, said out loud in place-value language. "Bring down the next digit" is really "regroup what is left into ten of the next smaller unit and add the digit already there".
Q2.
Now, let us use this understanding of long division to find the value of 1325 ÷ 4.
Answer
1325 ÷ 4 = 331.25
The first three steps are the same as for 1324. The difference comes at the Ones.
13 Hundreds ÷ 4 → 3 Hundreds each, 1 Hundred left
12 Tens ÷ 4 → 3 Tens each
5 Ones ÷ 4 → 1 One each, 1 One remains
1 One cannot be split into 4 equal whole parts. Regroup 1 One as 10 Tenths. This is the moment the decimal point is placed in the quotient.
10 Tenths ÷ 4 → 2 Tenths each, 2 Tenths remain
Why it happens: the place value chart does not stop at the Ones. To the right of the Ones sit the Tenths, then the Hundredths. Regrouping 1 One into 10 Tenths is the same move as regrouping 1 Hundred into 10 Tens — only one step further right. The decimal point simply marks where the whole ones end, so it goes in the quotient exactly when we cross that boundary.
Q3.
Can we verify this by finding an equivalent fraction for 1325/4?
Answer
Yes — and it gives the same answer.
4 × 25 = 100, so multiply the top and the bottom by 25:
1325/4 = (1325 × 25)/(4 × 25) = 33125/100
= 331.25 ✓
Why it happens: the long division and the equivalent fraction are two roads to one place. The long division builds the answer digit by digit; the equivalent fraction rewrites the whole thing at once with a denominator of 100, and then the two digits after the point can be read straight off.