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