Rancho Mortgage, Inc., is planning a new advertising campaign designed to attract homebuyers in a difficult economic environment. Rancho wants to promote its new loan product, which offers a fixed interest rate for the first five years and then switches to a variable rate of interest. Rancho believes that Spanish-speaking homebuyers have been underserved in recent years, and it wants to direct its ads to that market. What must Rancho say (and not say) in its advertising campaigns about the structure of the loan product, and in what language? What language should Rancho use in its Truth-in-Lending disclosures? Why?