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  3. Toothpaste - Wikipedia

    en.wikipedia.org/wiki/Toothpaste

    Toothpaste comes in a variety of colors and flavors, intended to encourage use of the product. The three most common flavorants are peppermint, spearmint, and wintergreen. Toothpaste flavored with peppermint-anise oil is popular in the Mediterranean region. These flavors are provided by the respective oils, e.g. peppermint oil. [18]

  4. Adjustable-rate mortgage - Wikipedia

    en.wikipedia.org/wiki/Adjustable-rate_mortgage

    Most lenders tie ARM interest rates changes to changes in an index rate. Lenders base ARM rates on a variety of indices, the most common being rates on one-, three-, or five-year Treasury securities. Another common index is the national or regional average cost of funds to savings and loan associations. The margin. This is the percentage points ...

  5. Carboxymethyl cellulose - Wikipedia

    en.wikipedia.org/wiki/Carboxymethyl_cellulose

    It is also used in non-food products which include products such as toothpaste, laxatives, diet pills, water-based paints, detergents, textile sizing, reusable heat packs, various paper products, filtration materials, synthetic membranes, wound healing applications, and also in leather crafting to help burnish edges.