Lyric discussion by Cheesecake_Recipe 

Cover art for Crystal Clear lyrics by Fiery Furnaces, The

@ TheLoneInsomniac: OTB is Off Track Betting, which fits in with my theory of the song.

I think she has a problem with gambling. She is trying to escape from her bookie. Her phone ringing and her ignoring it, as well as her giving her Cell Phone to her Cousin is a way of saying that she's trying to get away from the large amount of debts she's amassed.

That's what I get for the first half of the song. The second half isn't quite as Crystal Clear.