Challenge response applications provide the opportunity to reduce {HEAD ~ lost stolen and counterfeit fraud}, and provide {TAIL ~ a streamlined and enhanced referral process} 
Challenge response applications provide the opportunity to reduce { HEAD ~ lost stolen and counterfeit fraud } , and provide { TAIL ~ a streamlined and enhanced referral process }
OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL