How do you pronounce 拖欠?

Q: How do you pronounce 拖欠? A: to1 him3, e.g.

拖欠 (to1 him3) — meaning, pronunciation, examples

拖欠 (to1 him3, tuō qiàn) — in arrears; behind in payments; to default on one's debts

拖卡 (to1 kaa1) — verb; bunching , It means the same route and directions, had two or more buses,…
拖友 (to1 jau2) — the slang to refer to a person's girlfriend or boyfriend
拖垮 (to1 kwaa1) — to drag down
拖手仔 (to1 sau2 zai2) — holding hands (spoken)
拖板 (to1 baan2) — extension socket
拖男帶女 (to1 naam4 daai3 neoi5) — to bring along with children, it means one has a hard life with heavy burden; t…