<Table> Ballpoint pen <Tr> <Td_colspan="2"> A retractable ballpoint pen assemblage (Schneider K15) </Td> </Tr> <Tr> <Th> Inventor </Th> <Td> <Ul> <Li> John Loud (patent) </Li> </Ul> </Td> </Tr> <Tr> <Th> Inception </Th> <Td> 1888 </Td> </Tr> </Table> <Tr> <Td_colspan="2"> A retractable ballpoint pen assemblage (Schneider K15) </Td> </Tr>

Who made the first ball point pen in 1894