wˌaɪl ɐdʒˈʌstəbəlɹˈeɪt mˈɔːɹɡɪdʒᵻz hɐvbɪn ɚɹˈaʊnd fɔːɹ dˈɛkeɪdz, fɹʌm tˈuː θˈaʊzənd tˈuː θɹuː tˈuː θˈaʊzənd fˈaɪv ɐdʒˈʌstəbəlɹˈeɪt mˈɔːɹɡɪdʒᵻz bɪkˌeɪm mˈoːɹ kˈɑːmplᵻkˌeɪɾᵻd æz dˈɪd ðə kˌælkjʊlˈeɪʃənz ɪnvˈɑːlvd.
While adjustable-rate mortgages have been around for decades, from 2002 through 2005 adjustable-rate mortgages became more complicated as did the calculations involved.