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