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