To divide the numbers in scientific notation \( \frac{1.95 \times 10^6}{4.82 \times 10^{12}} \), you can separate the coefficients and the powers of ten:
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Divide the coefficients: \[ \frac{1.95}{4.82} \approx 0.404 \]
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Subtract the exponents in the powers of ten: \[ 10^{6 - 12} = 10^{-6} \]
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Combine the results: \[ 0.404 \times 10^{-6} \]
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To express it in proper scientific notation, you can adjust it to: \[ 4.04 \times 10^{-7} \]
So, the final result is: \[ \boxed{4.04 \times 10^{-7}} \]