During his last year at St. Luke's Philip had to work hard. He was contented with life. He found it very comfortable to be heart-free and to have enough money for his needs. He had heard people speak contemptously of money: he wondered if they had ever had to do without it. He knew that the lack made a man, petty, mean, grasping; it distorted his character and cuased him to view the world from a vulgar angle; when you had to consider every penny, money became of grotesque importance: you needed a competence to rate it as its proper value.

— Somerset Maugham  

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