12. According to the changes that are done by the angels -- for example, sometimes they are sitting, sometimes standing, sometimes they are female, sometimes male, and other such differences -- so the bounty that comes from Heaven varies; sometimes fire, sometimes water, sometimes stone, and so other endowments. All these variations are manifest in the world and in man. Also, the will of a person changes according to the variations -- sometimes he wants one thing, and sometimes he wants something else.
13. A person's livelihood is according to his marital match.
14. According to the elders of the generation so is the livelihood.
15. Interest (monetary) detracts fear (of G-d).