{HEAD ~ The potential beneficial effect} of electronic bill payment for cost reduction and revenue production to all participants, billers, consumers, banks, and service providers, represents {TAIL ~ a tremendous opportunity} for the financial industry 
represents
{ HEAD ~ The potential beneficial effect } of electronic bill payment for cost reduction and revenue production to all participants , billers , consumers , banks , and service providers , represents { TAIL ~ a tremendous opportunity } for the financial industry
HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH REL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH