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