This was my crystal ball: http://graphics8.nytimes.com/images/2005/06/15/business/arm3.gif http://graphics8.nytimes.com/images/2005/06/15/business/arm3... Als

This was my crystal ball: http://graphics8.nytimes.com/images/2005/06/15/business/arm3.gif http://graphics8.nytimes.com/images/2005/06/15/business/arm3... Also discovered around this time that subprime mortgage didn't mean a mortgage with an interest rate below the prime rate.