Some of the greatest business decisions go unnoticed much of the time, things we know as ‘normal’ today, had a beginning somewhere. Home mortgages, auto loans, and other forms of consumer credit started during the great San Francisco earthquake. A.P. Gianni, the son of Italian immigrants, was able to load, on to horse drawn carts, $80,000 worth of gold from his Bank of Italy deposit vaults after the quake hit, when other banks failed to do so. Since he had the money, he offered loans of$10 to $300 loans to anyone who had a job. He backed unproven businesses too, he loaned $2 million to a guy named Walt Disney for the making of Snow White.