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