Crossword Genius

Bowler — fellow maybe a grade lower (8)

Ross

I believe the answer is:

headgear

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But I can't explain it at all! Could you help me understand?

(Other definitions for headgear that I've seen before include "bowler, for example" , "which sits on top of mine?" , "crown, say" , "Mortarboard < , especially" , "Hats, bonnets, caps etc" .)

I've seen this clue in The Hindu.
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