ðə mˈoːɹ kɹiːˈeɪɾɪv ɐdʒˈʌstəbəl mˈɔːɹɡɪdʒᵻz mˈɛnt sˌʌm tʃˈeɪndʒᵻz ɪnðə kˌælkjʊlˈeɪʃənz tə spəsˈɪfɪkli hˈændəl ðiːz kˈɑːmplᵻkˌeɪɾᵻd lˈoʊnz.
The more creative adjustable mortgages meant some changes in the calculations to specifically handle these complicated loans.