mˈɛni lˈɛndɚz kɹiːˈeɪɾᵻd ðɛɹ ˈoʊn sˈɔftwɛɹ pɹˈoʊɡɹæmz, ænd wˈɜːld sˈeɪvɪŋz ˈiːvən hæd kəntɹˈæktᵻd spˈɛʃəl kˈælkjʊlˌeɪɾɚz təbi mˌeɪd baɪ kˈælkjʊlˌeɪɾᵻd ˈɪndʌstɹiz spəsˈɪfɪkli fɔːɹ ðɛɹ “pˈɪk ɐ pˈeɪmənt” pɹˈoʊɡɹæm.
Many lenders created their own software programs, and World Savings even had contracted special calculators to be made by Calculated Industries specifically for their “pick a payment” program.