(Figure: Predicting Market Shifts) Why is there a tendency for this market to move from P1 to P2? 
Definitions:
Amortized Loan
A loan with scheduled periodic payments that consist of both principal and interest, where initially more interest is paid than principal.
Constant Payments
A fixed amount of money paid periodically in a loan agreement or financial investment, such as in an annuity or mortgage.
Interest
A fee levied for the use of borrowed money, frequently expressed in terms of an annual percentage rate.
Annuity Due
An annuity in which the payments are made at the beginning of each period, as opposed to at the end.
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