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