"So, Mr. Douglas, do we need to reopen the exchange window between the gold and the ruble?"

A bespectacled leprechaun employee shrunk his head and asked cautiously.

"Of course it keeps closing, you idiot! If I hear such a stupid question again, I swear I'll use my cane to sober you up, do you think Gringotts is stupid enough to start a loss-making business?!"

Douglas turned his head and roared loudly, squirting the poor leprechaun employee with spit in the face.

"But, the ...... I received," the elf employee wiped the spit from his face and timidly raised the parchment in his hand.

"Nothing! The whole Gringotts venture capital department, I'm the authority! If you don't want to obey orders, go and stand guard at the door of the bank above!"

The elven director tapped the table and said unceremoniously, glaring fiercely at his elven employees.

At that moment, a slow voice came from the entrance of the foyer.

"What if this is the will of the Presbyterians?"

Well?!

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

I saw an old goblin with a wrinkled face walking slowly in with a crutch, followed by a large group of shrewd and capable young goblins.

"Lord Leos. ”

"Third Elder. ”

"Elder Leos. ”

The faces of all the goblins present, including Douglas, changed, and they all bowed their heads respectfully in respect.

Gringotts Wizarding Bank Europe is made up of a Council of Elders composed of twelve permanent Elven Elders.

The Council of Elders' role is similar to that of a board of directors in the non-magical world, but it is not limited to the bank's decision-making, but any major matter that is difficult for elves to decide on needs to be done through a vote of the elven elders.

"Looks like you're in trouble, little Douglas. ”

The old elf coughed softly, and raised his eyelids as he sat on the leather couch of Kemera in the office with his crutches in his hand.

In the face of Leos, Douglas, who had been menacing before, behaved extremely respectfully, and took the initiative to step out of the desk and patiently explain to the elderly goblin.

"It's just a temporary downward fluctuation, we will soon be able to pull the ruble back up, and closing the exchange window is just an extra protective measure for me to reap the final fruit. ”

According to the shares in the hands of the elf elders, as well as the right to speak in their positions, the elf elder council has a very clear seating order from top to bottom, Leos is the third elder, and more importantly, Leos is also the previous head of the venture capital department.

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

"Oh, yes, yes. I never had a doubt about your investment talent. ”

Leos nodded, slowly raising his fingers, "But as a leader in the investment department, it's not enough to just understand the rules of the financial game. ”

While the Council of Elven Elders has direct power to intervene in all departments under its jurisdiction, it is clear that efficiency and time are more important to the aging Leos than it is to train and select the next successor to lead the Gringotts Wizarding Bank—and for now, Douglas is undoubtedly the most suitable candidate.

"You know, hope is the scariest thing in the world. The wizarding world may lose Hogwarts in this mortgage contract for various reasons, but the straw that broke their financial chain must not have been deliberately added by Gringotts. ”

The old elf narrowed his eyes, looked around at the office it once controlled, and said in an irrefutable tone, "We can increase the fee, we can limit the exchange limit, but the exchange window for gold and rubles must be reopened." Let humans eat dogs, Gringotts will always be neutral. ”

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

"Wouldn't it be a good thing for Gringotts to look like a bitter lord in the midst of this turmoil?"

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

From the very beginning, the Gringotts Elven Elders' Council had been aiming to find a way to force the Ministry of Magic to compromise, or to force human wizards to exploit vulnerabilities in their scramble responses, and interest rate gambling and commission commissions were just additional surprises attached to them.

"Let me ask you the simplest question, how many rubles will the wizards have to repay at the end of next year, based on the interest rate on the contract?" the old goblin cocked his feet and leaned comfortably back in his leather chair, as if he had gone back to the time when he had trained Douglas.

Behind Douglas, a goblin employee opened the folder, pushed his glasses and replied seriously: "If you include the handling fee and the interest rate adjustment, the final payment should be close to 11,382.4 million rubles." ”

Leos nodded, and continued, revealing some yellowed fangs, "So, do you know how much ruble cash is in circulation in that Muggle country called the Soviet Union? According to estimates, it is roughly 127.6 billion, which may be a little wrong, but it will not deviate too much. ”

"Wait, I see. ”

A flash of abruptness flashed in Douglas's eyes, "Currency only has value in circulation, and the rubles exchanged by the wizarding world are like evaporating directly out of thin air to the non-magical world." The currency in the Gringotts exchange window comes from the liquid cash of Muggle society. ”

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

"Over time, even if we do nothing, in order to ensure the normal flow of commodity transactions, the cash available for exchange in rubles will gradually decrease. Besides, it is not certain whether the wizards will be able to raise that much gold Galleons, just check the deposits in the Gringotts vault, and we can easily calculate the cash flow of the wizarding world. That is to say—"

After being broken by Leos, Douglas quickly made an estimate in his mind, and after a while, he raised his head and swallowed his saliva and looked at the old elf and said in shock, "-From the beginning, it was impossible for them to exchange enough cash through Gringotts to redeem the proof of Hogwarts Castle estate?!"

"How could the wisdom of a mere human wizard be better than an entire council of Gringotts elven elders. Leos snorted softly, a look of applicability on his old face, "Learn, kid." From the moment the entire contract was signed, there was no suspense about the ending. ”

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