The Aeron Full Feature Posture Fit Chair features back support, adjustable arms and a design that evenly distributes weight around the chair.

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This is the simplest of examples, but bear in mind that more exotic mortgage contracts like option adjustable rate mortgages (ARMs) and such can leave the household in a similar situation, facing not only impaired equity but also higher payments.

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Some 2 million adjustable-rate mortgages, or ARMs, are due to reset to higher rates this year, making monthly payments unaffordable for many.

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But since 1996, FHA's share of the mortgage market has dropped from 32% to 6%, largely because the private sector began offering exotic (read: easier to qualify for) products--such as adjustable-rate mortgages, or ARMs--to an increasingly risky pool of investors.

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And they all are ARMs. They all are adjustable rate mortgages that are resetting and - resetting two or three percentage points above what they originally were sold at.

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Moroney is still buying Golden West Financial (nyse: GDW - news - people ) as well, because of the large volume of its adjustable-rate mortgage business, which partially insulates it from rising rates since interest on ARMs is by definition not fixed.

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