In fact, he had a reverential soul with a strong practical intelligence. But he could not manage finance: he knew values well, but he had no keenness of imagination for monetary results in the shape of profit and loss: and having ascertained this to his cost, he determined to give up all forms of his beloved “business” which required that talent. He gave himself up entirely to the many kinds of work which he could do without handling capital, and was one of those precious men within his own district whom everybody would choose to work for them, because he did his work well, charged very little, and often declined to charge at all. It is no wonder, then, that the Garths were poor, and “lived in a small way.” However, they did not mind it.