Remember - the boat's guard wanted to know what money was in smuggler's banter.
Right-click the paper in your inventory to get a good look at it.
What does everything mean?
The symbols on the left of the equations represent the thing you'd say - the symbols on the right side of the equations represent the thing you'd mean.
In smuggler's banter, you'd say one thing, but mean another.
Can I get an example?
Of course - in the "feather = key" drawing, you'd say something like "Throw me the feather!" to mean "Throw me the key!"
What am I looking for?
We're talking about money, so look for coins.
It wouldn't hurt to scan the rest of the paper for anything useful - the third question was about wine, after all, and you learned what Harm liked to drink in these hints.
Tell me what to say.
Favourite animal -
Favourite wine -
Moths
Frog wine
Hooray!
A silver tongue goes a long way - we've finally earned an audience with Harm himself.