How does Higgin's underlined statement at the top of page 5 help develop Higgin's character?

It's to know your purpose before you read something because a purpose can:

Which two elements does this excerpt from a christmas carol by charles dickens contain? "a small matter," said the ghost, “to make these silly folks so full of gratitude." "small! " echoed scrooge. the spirit signed to him to listen to the two apprentices, who were pouring out their hearts in praise of fezziwig: and when he had done so, said, "why! is it not? he has spent but a few pounds of your mortal money: three or four perhaps. is that so much that he deserves this praise? " "it isn’t that," said scrooge, heated by the remark, and speaking unconsciously like his former, not his latter, self. "it isn't that, spirit. he has the power to render us happy or unhappy; to make our service light or burdensome; a pleasure or a toil. say that his power lies in words and looks; in things so slight and insignificant that it is impossible to add and count ’em up: what then? the happiness he gives, is quite as great as if it cost a fortune." he felt the spirit's glance, and stopped. "what is the matter? " asked the ghost. "nothing particular," said scrooge. "something, i think? " the ghost insisted. "no," said scrooge, "no. i should like to be able to say a word or two to my clerk just now. that's all."

Which best explains this excerpt’s purpose in the novel’s plot structure? the excerpt creates conflict between characters as part of the rising action. the excerpt provides background information on a character as part of the exposition. the excerpt returns a character to equilibrium as part of the falling action. the excerpt is the point of greatest tension and acts as the climax.