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