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Of course, he could have gotten the money for her if he'd wanted to get it. Thank God, he couldn't see her now, with her clothes soaking wet and her hair straggling and her teeth chattering. how hideous she must look and how he would laugh!
Since the whole paragraph refers to the past event, Why not "must have looked"? Please.
Because it is not finished at the point of time of the narrative- Thank God, he couldn't see her now. 'Must have looked' would imply that she no longer looked like that.