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The point of view is omnicient third-person, so the thoughts of all characters are available to the reader.
The characters of the story are driven by the mother's (Hester) obsessive desire for material wealth. Paul, her son, feels that the house is haunted because of her need for money and anxiety over her debts, thus the whispers of "There must be more money." Even though she has a husband, a nice house with servants and 3 children, Hester is unable to love her family or be satisfied with her life. It is this characterization that drives the actions of Paul, the main character in the story.
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