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You think normal amortized loans are complicated? How about these bizarre
**Rule of 78** loans?. Here the amount of your interest paid each month
is determined using a fixed linear scale, and the annualized interest rate
actually changes each month. I could explain it all out, but I
don't want anyone to fall asleep and drop their mouse on the floor!
Just put in some numbers and find out for yourself.

**UPDATE: November 2008** - I was just notified that my annual interest
rate calculation has been wrong for the past several years. Why didn't anybody
else ever tell me? (Thanks, Steve!). In any case, now I instead print the
annualized interest rate for each month as it slowly decreases over time.
I have also removed the "Annual Interest Rate" option which was incorrect.