been enough to dampen support for radical challenges to church authority. But instead under his leadership, Rome's fiscal and political problems were deepened. A major contributor was his lavish spending (especially on the arts and himself) which led the papal treasury into mounting debt and his decision to authorize the sale of indulgences. The exploitation of people and corruption of religious principles linked to the practice of selling indulgences quickly became the key stimulus for the onset of the Protestant Reformation. Martin Luther's 95 Theses, otherwise entitled "Disputation on the Power and Efficacy of Indulgences", was posted on a Church door in Wittenberg, Germany in October 1517 just seven months after the Lateran V was completed. But Pope Leo X's attempt to prosecute Luther's teaching on indulgences, and to eventually excommunicate him in January 1521, did not get rid of Lutheran doctrine but had the opposite effect of further splintering the Western church. Excessive spending Leo was renowned for spending money lavishly on the arts; on charities; on benefices for his friends, relatives, and even people he barely knew; on dynastic wars, such as the War of Urbino; and on his own personal luxury. Within two years of becoming Pope, Leo X spent all of the treasure amassed by the previous Pope, the frugal Julius II, and drove the Papacy into deep debt. By the end of his pontificate in 1521, the papal treasury was 400,000 ducats in debt. This debt contributed not only to the calamities of Leo's own pontificate (particularly the sale of indulgences that precipitated Protestantism) but severely constrained later pontificates (Pope Adrian VI; and Leo's beloved cousin, Clement VII) and forced austerity measures. Leo X's personal spending was likewise vast. For 1517, his personal income is recorded as 580,000 ducats, of which 420,000 came from the states of the Church, 100,000 from annates, and 60,000 from the composition tax instituted by Sixtus IV. These sums, together with the considerable amounts accruing from indulgences, jubilees, and special fees, vanished as quickly as they were received. To remain financially solvent, the Pope resorted to desperate measures: instructing his cousin, Cardinal Giulio de' Medici, to pawn the Papal jewels; palace furniture; tableware; and even statues of the apostles. Additionally, Leo sold cardinals' hats; memberships to a fraternal order he invented in 1520, the Papal Knights of St. Peter and St. Paul; and borrowed such immense sums from bankers that