As the ATM boots up its Silver Exchange Service, it explains that any and all transactions require you to first pass a Riddle-Based Security Protocol. You are allowed three attempts before failing, but will be penalized in some way depending on how many attempts it takes. For example, with the Silver Exchange Service, the exchange rate is affected by a multiplier which starts out multiplying your gains by 3 but is reduced to 2, then 1, then 0 depending on how many incorrect answers are given. That way, if you were some kind of impulsive weirdo who makes all their decisions at random, you would still have a chance to get it right if at least one of the three answers given were correct. But that would be a ridiculous way for someone to live their life, so it isn't sure why it's even bringing that up.

Feeling slightly self-conscious now, you say this seems like a really insane and stupid way to access your money. It gives a heavy sigh, says none of this was its idea, and asks you to just answer the stupid riddle already.

QUESTION 1: WHAT HAS A HEAD AND A TAIL, BUT NO BODY?