Crossword Genius

Scratch using pencil (8)

Ross

I believe the answer is:

withdraw

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'scratch' is the definition.
(I know that scratch is a kind of the withdraw)

'using pencil' is the wordplay.
'using' becomes 'with' (eg 'fixed with glue' means 'fixed using glue').
'pencil' becomes 'draw' (I am not sure about this - if you are sure you should believe this answer much more).
'with'+'draw'='WITHDRAW'

Can you help me to learn more?

(Other definitions for withdraw that I've seen before include "Drop out" , "Recall" , "Take back or away, say money from bank" , "Pull back or move away" , "Scratch" .)

I've seen this clue in The Independent.
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