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