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Stroke order matters in Chinese: it keeps the character balanced, and it is how dictionaries and handwriting input methods expect a character to be written.
owe.
Radical: 欠 + 8 more strokes
kuǎn款

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Open the tool →款 (kuǎn) means “Sincere, cordial, earnest” in Chinese.
款 is pronounced kuǎn in Mandarin Chinese.
款 has 12 strokes.
款 is written in 12 strokes, starting from the radical 欠. See the animated stroke order on this page.
The radical of 款 is 欠, and 款 is a phono-semantic compound.