The Heart of the Matter spread has many interpretations. It can be interpreted as a love affair, an issue relating to money, or a business loan issue. The card positions that represent this spread are the Magician and the Empress. However, the 7 of Pentacles can also represent an issue relating to money, such as a delay in processing a business loan. The Magician and the Empress are historically referred to as the Small Cross, whereas the Larger Cross consists of positions one – six.