For example, a 5/1 ARM will have the same rate for the first five years, then can adjust each year after that—meaning the rate might go up or down, based on the market. An ARM isn’t for everyone.

The logic of such a tally is simple. Penn State is facing one of the best defensive lines in the country. If the Nits do near the goal line, they will undoubtedly want an extra blocker to counter ...