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What is the main purpose of a speech bubble in a graphic novel ?

Which two elements does this excerpt from a christmas carol by charles dickens contain? "a small matter," said the ghost, “to make these silly folks so full of gratitude." "small! " echoed scrooge. the spirit signed to him to listen to the two apprentices, who were pouring out their hearts in praise of fezziwig: and when he had done so, said, "why! is it not? he has spent but a few pounds of your mortal money: three or four perhaps. is that so much that he deserves this praise? " "it isn’t that," said scrooge, heated by the remark, and speaking unconsciously like his former, not his latter, self. "it isn't that, spirit. he has the power to render us happy or unhappy; to make our service light or burdensome; a pleasure or a toil. say that his power lies in words and looks; in things so slight and insignificant that it is impossible to add and count ’em up: what then? the happiness he gives, is quite as great as if it cost a fortune." he felt the spirit's glance, and stopped. "what is the matter? " asked the ghost. "nothing particular," said scrooge. "something, i think? " the ghost insisted. "no," said scrooge, "no. i should like to be able to say a word or two to my clerk just now. that's all."

Some one drawing water and my theater placed my hand under the spout. as the cool stream gushed over one hand she spelled into the other the word water , first slowly , then rapidly . i stood still ,my whole attention fixed upon the motions of her fingers . suddenly i felt misty consciousness as of soothing forgotten --a thrill of returning thought and somehow the mystery of language was revealed to me this passage from the stoyof my life is an wxample of which element of plotclimax action