id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3796	Templeton, William K.; Main, Robert S.; Orris , J. B.	A Simulation Approach to the Choice Between Fixed and Adjustable Rate Mortgages	1996	17	.pdf	application/pdf	6323	337	64	For example, is an ARM the low cost choice when mortgage rates are high? An alternative explanation is that when FRM rates are high, borrowers assume that rates will decline and that the ARM will be the lower cost alternative.	cache/fsr-3796.pdf	txt/fsr-3796.txt