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