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Kenneth G. Wilson (1923–).  The Columbia Guide to Standard American English.  1993.
 
hypothecate, hypothesize (vv.)
 
 
The specialized sense of hypothecate is “to pledge property without actually giving up possession or title to it.” In its more generalized sense it is a synonym of hypothesize, meaning “to make up or adopt a hypothesis.” Hypothesize may seem a bit stiff or pretentious in some circumstances, perhaps not least because it can be something of a tongue twister; the Standard circumlocution is to make a hypothesis.  1
 
 
The Columbia Guide to Standard American English. Copyright © 1993 Columbia University Press.

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