Three innovations came to pass in the 15th century that forever changed the world and we are still coming to terms with what they wrought. It isn’t that we hadn’t used ships for trade, read books or loaned or borrowed money before, what changed was the volume. Before this century we could trade only a small fraction of what was possible by its end. Books were rare but after 1500 it was possible for families to own their own bibles. Commercial ventures could be financed with a worldwide outlook.