Pay Option Arms, opinions

I like using the language...fixed for fixed, and adjustables for adjustable...meaning if you have a fixed income you should have a fixed rate. If you are self employed and may need extra cash flow at times or are a seasonable employee, then the option ARM may be really good for you. When you need to free up extra cash, you can. When you make an extra commission or bonus, pay a little more. But clients need to be educated and understand the possabilities of a negative amortization. Also their should be more education about equity and liquidity. What has the average increases in equity been over the last 10 years and what will make that trend continue. How long does one plan to live in the home. How many like homes get put on the market and what is the chance of selling it quickly in a down market if you don't have enough equity built up to pay the Realtors commission? What does one need for taxes or right offs...do they have a home based business and are able to write off an office? many more to list...any more suggestions are always appreciated.