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debtholder

/ˈd ĕ t ˌh ō l d ər/

dĕbt-hōld-er

Rule 1

Vowels usually say their short sound in a closed syllable.

Rule 2

I and O may say /ī/ and /ō/ when followed by two consonants.

Rule 3

The R changes ER to say /ər/.

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