The challenge question presented can be selected based on {HEAD ~ an analysis} of {TAIL ~ the risk} of the transaction and potentially other factors  
The challenge question presented can be selected based on { HEAD ~ an analysis } of { TAIL ~ the risk } of the transaction and potentially other factors
OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD REL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH