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Planet Finance was beginning to dwarf Planet Earth. Every day $3.1 trillion changed hands on foreign-exchange markets.

The next nine digits are the individual account number, and the final digit is a validity check code.

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A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

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And all the time new financial life-forms were evolving. The volume of “derivatives”—contracts such as options and swaps—grew even faster, so that by the end of 2006 their notional value was just over $400 trillion.

The total annual issuance of mortgage-backed securities, including fancy new “collateralized debt obligations” (C. Before the 1980s, such things were virtually unknown.

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