At step 25, {HEAD ~ the ACS} 1050 assesses risk level and presents {TAIL ~ challenge} for high risk transactions 
At step 25 , { HEAD ~ the ACS } 1050 assesses risk level and presents { TAIL ~ challenge } for high risk transactions
OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH REL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH