shoal – I. n. a large number of fish swimming together 2. a large number of people v. form shoals
II. shoal – n. an area of shallow water 2. a submerged sandbank visible at low water
fomentv. instigate or stir up (revolution or strife)
rakishadj. having a dashing, jaunty, or slightly disreputable quality or appearance
pecuniaryadj. of, relating to, or consisting of money
ethosn. the characteristic spirit of a culture, era, or community as manifested in its attitudes and aspirations

Adapted from the Concise Oxford English Dictionary 10th Edition