Hogwarts on the tip of the tongue

After hesitating for a moment, the house elf Wachi timidly raised her hand.

"Chef, the requirements you mentioned can be fulfilled by everyone at Hogwarts. Serving and recording the daily lives of the little masters is not too difficult for us, but I don't understand how these can be solved today. dilemma."

The elf's voice was trembling, as if he was afraid that he would be punished for asking questions.

However, she knew that Elena Kaslana was not that kind of cruel and cold wizard. Although she was exceptionally strong, she would generously answer some stupid questions most of the time.

Hogwarts' round-faced fat chicken express's losses are now mainly due to the default behavior of some wizard families.

House elves have no way to identify who has the right to speak in a family, and at the same time, they cannot use some tougher methods to collect money - in fact, unless it is based on protecting wizards, theoretically even elves The owner cannot order them to use magic to directly attack other wizards.

Weak house elves are not qualified to live.

Therefore, any house elves that can serve wizards in the magical world must have strong magical abilities. In order to ensure that these "servants" will not secretly slit their own throats one night, wizards have to deal with house elves. The enslavement education has never stopped, forcing them to actively abide by these rules generation after generation.

“It’s very simple, the credit system and the virtual currency are settled directly.”

Goblin Douglas raised his finger and replied softly.

It raised its head and glanced at Elena's expression. Seeing that she had no intention of interrupting, it continued to explain on its behalf.

"Gringotts Wizarding Bank has already formed an extremely mature accounting system in its long history of business dealings. As long as your financial system is connected to Gringotts, you can directly make deductions... As for those who have no money in the vault, , we can also temporarily record it as a negative number, adjust its credit rating, and list it as a blacklist customer."

The house elf Vaggie nodded in understanding, but Kurt Meyer suddenly spoke after being silent for a few seconds.

"But if Gringotts Wizarding Bank directly deducts the wealth from the wizards' vaults, will it cause a new round of turmoil? The recent turmoil has just subsided, and the wizarding world is not particularly friendly to Gringotts now. "

"At such a sensitive time, if the goblin reaches out to the wizard's wealth again, there is a high chance that something will go wrong."

"Although we are not afraid of fighting in terms of absolute force, according to your arrangements, Miss, this period of time should not be the time to announce our existence to the entire magical world. What should we do if someone attacks Gringotts? ?”

The conflict between wizards and goblins... the confrontation between bankers and depositors...

Elena glanced at Kurt thoughtfully, and she once again realized the political acumen of these older generations.

Compared with house elves who focus on details and goblins who pay attention to rules and gains and losses, they are better at thinking about problems from a human perspective, especially the disadvantages that may arise from more subtle confrontations and resistance.

"Yes, if Gringotts directly deducts wizards' deposits, it may cause controversy or conflict again."

Elena nodded gently and said unhurriedly.

"But Gringotts Wizarding Bank is only an executor this time, not a decider."

"Hogwarts will protest to the Ministry of Magic and Gringotts and resolve the issue through regular judicial arbitration methods. Don't forget that more than half of the personal savings in the wizarding world now come from loans lent to Hogwarts. Gringotts gold."

"In other words, these gold coins returned to the hands of wizards all have a unified label - [Hogwarts-Golden Galleons], which is a debt identification that carries a magical contract. I think , neither the Ministry of Magic nor the Wizengamot has any reason to refuse Hogwarts' legal claim for this part of the funds."

"As for the blacklist? Just record it briefly. Services must continue to be provided. After all, we are a large group with a conscience - making profits is not our purpose, but changing the world is -"

Elena had thought a few months ago that in the magical world, Gringotts Wizarding Bank might face doubts and challenges for a long time in the future. Under this situation, the goblins and ancient spirits were temporarily faded away. The subjective voice of the cabinet allowed the largest shareholder Hogwarts to exert pressure from the side, which was undoubtedly the simplest and most effective means of ending the situation.

Gringotts Wizarding Bank cannot withstand the wrath of wizards, so of course, they are even less likely to refuse Hogwarts' reasonable requests - compared to the non-magical world with mature legal industry, the wizarding society is too weak in this regard.

Moreover, even if the wizards don't have that many gold coins in their vaults, it doesn't matter. Under the joint witness and supervision of Hogwarts, the Ministry of Magic, and Gringotts, they can pay it back in installments and slowly pay it back bit by bit - usually Under the circumstances, this kind of thing is still relatively rare. After all, most wizards' family treasury can still pay for this month's meals.

As for Ever After based on "Magic"

The personal account system established by "Identification Code (d)" has completely eliminated this chaotic situation of eating from one big pot and opened up virtual payment that is at least 20 years ahead of the entire era.

During this period, although the currency value of [Hogwarts-Golden Galleons] will not change, as the Destiny Consortium and Gringotts Wizarding Bank influence more and more shops and industries in the magical world, the currency value will change. Some hidden and smiling purchasing power adjustments can still be easily achieved, and not many people will struggle with a better quality and more convenient life.

Of course, there are still some hidden dangers.

If the Ministry of Magic is aware of the power behind this series of payment methods in advance and wants to use political means or some other means to forcibly take away everything Elena manages... then the Hyperion may need to be dispatched. .

However, in Elena's plan, whether the money can be recovered is actually not particularly important.

Sometimes, the process...is often more important than the result...

Debt collection by Hogwarts?Through existing legal channels in the wizarding world?

Although this sounds wonderful, there seems to be a more serious practical problem.

As the chief magician of the Wizengamot Wizarding Court, Dumbledore frowned, coughed slightly and interrupted.

"Miss Kaslana, I may need to remind you of one thing. Currently, judicial arbitration in the wizarding world relies entirely on the Legal Enforcement Department of the Ministry of Magic and the Wizengamot Tribunal. If you follow your ideas, then the number of lawsuits may be …”

"Oh, yes, of course. The current gentlemen alone will definitely not be able to cope with it."

Elena smiled slightly, moved her fingers slowly on the table, and sighed softly with an angelic voice.

"For so many years, the Ministry of Magic's financial revenue has relied entirely on the support of pure-blood families and grants from Gringotts Wizarding Bank. This is really shocking - as an important institution that maintains social stability, It’s so sad that a dedicated national tax department wasn’t even considered.”

"Gringotts Wizarding Bank has fully reduced its business and is fully capable of assisting the Ministry of Magic in tax audits. On the other hand, in cases involving commercial disputes, goblins can serve as legal assistants to help wizards sort out the ins and outs."

"Unemployment rate will affect social stability. Isn't the biggest problem in the wizarding world today that the growth rate of jobs cannot keep up with the growing wizard population? With stable financial income, the Ministry of Magic can also consider expanding enrollment. "

Faced with Dumbledore's question, Elena answered quickly without thinking.

There are many ways to change the world, and eating all the cakes by one person is undoubtedly the stupidest way. Compared with illusory ideals and power and power, working together is the world that adults like.

The Ministry of Magic has always been eager for more voice, higher social status, and more favorable living conditions.

Perhaps there are still pure idealistic fools at the grassroots level, but those who choose to enter politics in the wizarding world and reach a certain height must be quite consistent on this point... Cornelius Fudge and Old Crow Qi is the two most typical examples. Politicians are actually the easiest people to communicate with as long as they understand their demands.

Whether it is goblins, house elves, or even giving Hogwarts more say, in the eyes of the politicians of the Ministry of Magic, these are not as important as improving their social status, family reputation, and personal wealth.

You must know that there are some things that, taking the initiative from the Ministry of Magic, will obviously allow both parties to have a better cooperation experience.

The financial dispute cases that have been piling up for a whole month are such a very clever opportunity.

The acceptance of such a huge number of cases will instantly defeat the current fragile judicial system in the wizarding world, and the huge amount of money will constantly stimulate the Ministry of Magic officials who receive the cases, reminding them of their own poverty - and more importantly, , for a long time to come, Hogwarts will continue to file new lawsuits.

Even if Dumbledore had not raised this question, according to the original plan, Grindelwald would have taken the initiative to ask.

The current situation can be said to be the most perfect process, and Elena's smile became a little brighter.

"In fact, according to the information I have, Gringotts has previously considered providing this business to the Ministry of Magic."

"The full name of the project is internal revenue service, or irs for short. It is mainly an analysis service for revenue-related matters within the magic world. But because of... well, some reasons, it was delayed. And now we All that needs to be done is to awaken the memory of the Ministry of Magic and provide a more sincere cooperation plan."

"Rest assured, as you heard, this is just an ordinary financial services project dedicated to maintaining social stability."

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Gugugu~ Have you expressed your love for the lovely Elena today~