While adjustable-rate mortgages have been around for decades, from 2002 through 2005 adjustable-rate mortgages became more complicated as did the calculations involved.
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.