{TAIL ~ A variety} of dynamic challenge questions can be used without the need for the cardholder to enroll into {HEAD ~ the program} 
{ TAIL ~ A variety } of dynamic challenge questions can be used without the need for the cardholder to enroll into { HEAD ~ the program }
TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD