Hogwarts on the tip of the tongue

"So, Mr. Douglas, do we need to reopen the exchange window for gold galleons and rubles?"

A goblin employee wearing glasses shrank his head and asked cautiously.

"Of course it remains closed, you idiot! If you let me hear such stupid questions again, I swear I will use my cane to wake you up. Do you think Gringotts is stupid enough to start a loss-making business?!"

Douglas turned his head, roared loudly, and sprayed the poor goblin employee's face with spittle.

"But, what I received..." The goblin employee wiped the saliva from his face and timidly raised the parchment in his hand.

"Nothing! I am the authority in the entire Gringotts Venture Capital Department! If you don't want to obey orders, then go stand guard at the entrance of the bank above!"

The goblin supervisor knocked on the table hard and said unceremoniously, looking around at his goblin employees fiercely.

At this moment, a slow voice came from the entrance to the hall.

"What if this is the will of the Presbyterian Church?"

Ok? !

Everyone turned their heads with different expressions and looked behind them.

I saw an old goblin with a wrinkled face walking slowly in with a cane, followed by a large group of smart and capable young goblins behind him.

"Lord Leos."

"The third elder."

"Elder Leos."

Including Douglas, the faces of all the fairies present changed, and they all bowed their heads respectfully to show respect.

The European branch of Gringotts Wizarding Bank consists of twelve permanent goblin elders who form the Council of Elders.

The role of the Council of Elders is similar to that of a board of directors in the non-magical world, but it is not limited to bank decisions. All major events that are difficult for the goblins to decide need to be completed through the vote of the Council of Elders.

"It looks like you're in trouble, little Douglas."

The old goblin coughed softly, sat on the Chimera leather sofa in the office with a walking stick, and raised his eyelids.

Facing Leos, Douglas, who was previously aggressive, behaved extremely respectfully. He took the initiative to walk out of his desk and came to the elderly goblin to explain patiently.

"It's just a temporary downward fluctuation. We will soon be able to raise the ruble's exchange rate again. Closing the exchange window is just an additional protective measure I added to reap the final fruits."

According to the shares in the hands of each goblin elder and the right to speak in the position held, the Goblin Elder Council has a very clear seating order from top to bottom. Leos is the third elder, and more importantly, Leo Si is also the previous head of venture capital department.

In a sense, he can almost be regarded as Douglas's mentor and direct superior.

"Oh, yes, yes. I've never had any doubts about your investing talent."

Leos nodded and raised his fingers slowly, "But as a leader of the investment department, it is not enough if you just understand the rules of the financial game."

Although the Goblin Council of Elders has the right to directly intervene in all departments under its jurisdiction, for the aging Leos, training and selecting the next successor to lead Gringotts Wizarding Bank forward is more efficient and time-consuming than Obviously more important - and for now, Douglas is undoubtedly the most suitable candidate.

"You know, hope is the most terrifying thing in the world. The wizarding world may lose Hogwarts in this mortgage contract for various reasons, but the last straw that overwhelms their financial chain must not be the ancient The Ling Pavilion added it deliberately."

The old goblin narrowed his eyes, looked around the office it once controlled, and said in an irrefutable tone, "We can increase the handling fee and limit the exchange amount, but the exchange of gold galleons and rubles The window must be reopened. Let humans bite dogs. Gringotts will always remain neutral."

"But, Elder Leos, the ruble's exchange rate continues to fall..." Douglas frowned.

"Isn't it a good thing to make Gringotts seem to be in a miserable position in this crisis?"

Leos coughed, and a smile appeared on his wrinkled face, "In the short term, the wizards may make a small profit; but in the long run, Gringotts will definitely not lose money."

From the perspective of the Gringotts Goblin Council of Elders, their goal from the very beginning was to find ways to force the Ministry of Magic to compromise, or to force human wizards to find exploitable loopholes in their hurried response. Interest rate betting and handling fees and commissions are nothing more than It's just an extra surprise attached to it.

"Let me ask you the simplest question. Calculated according to the interest rate on the contract, how many rubles will the wizards need to repay when it expires next year?" The old goblin raised his feet and leaned back comfortably on the leather chair, as if he was back again. It was the same as when he was training Douglas.

Behind Douglas, a goblin employee opened a folder, pushed up his glasses and replied seriously: "If you include handling fees and interest rate adjustments, the final payment should be close to 113.824 billion rubles."

Leos nodded and continued, showing some yellowed fangs, "So, do you know the total amount of rubles in cash in circulation in the Muggle country called the Soviet Union? According to estimates, it is roughly 1276 billion , there may be some errors, but it won’t deviate too much.”

"Wait, I understand."

A flash of realization suddenly flashed in Douglas's eyes, "Currency only has value when it is in circulation. To the non-magical world, the rubles exchanged by the wizarding world are like evaporating out of thin air. And the rubles in the Gringotts exchange window The currency comes from liquid cash in Muggle society."

Under the approving gaze of the old goblin, Douglas touched his chin and continued.

"As time goes by, even if we do nothing, in order to ensure the normal flow of commodity transactions, the amount of ruble cash available for exchange will gradually decrease. Moreover, it is not certain whether the wizards can raise so many gold galleons. We can easily calculate the cash flow in the wizarding world just by checking the deposits in Gringotts' vault. In other words - "

After Leos broke through this layer, Douglas made quick calculations in his mind. After a while, he raised his head, swallowed his saliva, looked at the old goblin and said in shock, "——From the beginning, it was impossible for them. Exchanging enough cash through Gringotts to redeem the Hogwarts Castle estate certificate?!"

"How can the wisdom of a mere human wizard be better than the entire Gringotts Goblin Council of Elders?" Leos snorted, a look of use appeared on his old face, "Learn from it, kid. From the signing of the entire contract From that moment on, the ending was no longer suspenseful.”

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First update!Today I want to be a loligu!

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