Crossword Genius

Fill out promissory note without reflecting (6)

Ross

I believe the answer is:

billow

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'fill out promissory' is the definition.
I can't judge whether this definition defines the answer.

'note without reflecting' is the wordplay.
'note' becomes 'bill' (synonyms).
'without' becomes 'wo' (abbreviation of 'without', normally with a slash).
'reflecting' is a reversal indicator.
'wo' written backwards gives 'ow'.
'bill'+'ow'='BILLOW'

Can you help me to learn more?

(Other definitions for billow that I've seen before include "Swell out (as a sail)" , "A great wave or swell" , "Wave; upward flow" , "Swell out in the wind" , "Become inflated; rise up, as in waves" .)

I've seen this clue in The Independent.
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