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