Runs a business that handles money/gold/gems exchange, banking and secure storage in Ghostwater. His facilities have never been robbed. He does however charge a high price for his services. Tidwoad’s bank also holds a House Sivis speaking stone, allowing residents to send and receive messages for a fee. A number of Sivis gnomes reside in the shop to operate the stone and assist Tidwoad with bookkeeping. The senior Sivis representative is Lylana Lyrriman d’Sivis, a garrulous woman who will keep customers talking for as long as possible.