{TAIL ~ The challenge response application} can be administered by an issuer or by {HEAD ~ a third party} on behalf of an issuer 
{ TAIL ~ The challenge response application } can be administered by an issuer or by { HEAD ~ a third party } on behalf of an issuer
TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH