In {TAIL ~ other words}, the amount of {HEAD ~ time} the bank is not usable is increased 
In { TAIL ~ other words } , the amount of { HEAD ~ time } the bank is not usable is increased
OTH TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH