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