Templeton, William K., Robert S. Main, and J. B. Orris. “A Simulation Approach to the Choice Between Fixed and Adjustable Rate Mortgages”. Financial Services Review 5, no. 2 (December 30, 1996): 101–117. Accessed November 21, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3796.