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