1. Before John Calvin
     people were not allowed
     to lend money at interest.

2. John Calvin decided
     to legalize
     money-lending at interest
     in spite of the teachings
     of the Prophets of Israel
     and the Fathers of the Church.

3. Protestant countries
     tried to keep up with John Calvin
     and money-lending at interest
     became the general practice.

4. And money ceased to be
     a means of exchange
     and began to be
     a means to make money.

5. So people lent money on time
     and started to think of time
     in terms of money
     and said to each other:
     "Time is money."