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