You wake up in a cold sweat and look around your dark bedroom. Your phone says it’s 2:07 a.m. Why are you even awake? You rack your brain trying to remember what bad dream your subconscious troubled you with. Then you remember. You have an Adjustable Rate Mortgage (ARM), and you have a vague nagging feeling it is going to start adjusting sometime in the near future. When is D-Day again? You don’t know for sure. And what is going to happen anyway when it starts to adjust?