{TAIL ~ A cash credit} encourages the user to engage in {HEAD ~ electronic utilization} of a financial account 
{ TAIL ~ A cash credit } encourages the user to engage in { HEAD ~ electronic utilization } of a financial account
TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH