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