Go to the Federal Housing Finance Agency’s website at www.fhfa.gov and find the most recent data on the percentage of conventional single-family mortgages with adjustable rates using the following steps. Under “Research

& Analysis,” then “Market Data,” and then “Monthly Interest Rate Survey Data,” click on “Historical Summary Tables.” Click on “Annual, All Homes, 1963–20XX.” This downloads a file onto your computer that contains the relevant data. How has this data changed since 2012?