Student or Learner
What does the word heard-heartedness mean? I can't find it in any dictionary.
I've read the word here http://plrcatalogue.pearson.com/Samp...0582421209.pdf, in a plot summary of the book A Christmas Carol, so, I guess it means something like the bad behavior, cruelty and greed (of Scrooge).
Well - you do expect Penguin to have done their proofreading properly!
'I am stupid I didn't think of it/guess it/work it out myself'; 'find it out' suggests that something was intentionally concealed - 'She was adopted, but didn't find [it] out until her 18th birthday.'