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From the start of the book until now, I've written nearly six hundred chapters with some stumbles along the way, and the second volume, "The Fall of Gringotts," is finally finished.

This delicious dish that Aileen, who has been foreshadowing since the very beginning, has prepared to eat, has finally safely fallen into her belly, and from now on, Aileen's title can finally add another legendary label.

Compared to the six hundred thousand words of the first volume, "The Birth of the Demon King", the second volume is significantly longer. Looking at it, it's just hit one million words. I enjoyed writing this part of the plot. Although it was a bit tiring towards the end, it was indeed the story line and important plot points that I wanted to show from the beginning of the book.

In fact, according to the original plan, this plot should have been completed at the end of the first volume.

However, when I wrote about ten thousand words, I realized that it would take too much foreshadowing to overthrow a thousand-year-old unique financial institution, so I moved it to the second volume. But even so, the ending is still a bit stiff. Some little chubby chickens may feel like they are reading a textbook when they see Douglas confronting Gringotts in the later chapters.

The title of this volume is "The Fall of Gringotts". In fact, the entire first half of the first volume and the second volume can be regarded as a process of planning Gringotts through a conspiracy. The most vulnerable part of the magical world is the financial field, but the catalyst for a society's rapid operation is also the capital field. Therefore, if Aileen wants to change the world, she will ultimately have to focus on the wealth level.

As a first-year student who has just set foot in the magical world, Aileen's biggest golden finger is that she happens to know about the "super black swan event" of the collapse of the Soviet Union, and the financial knowledge stored in her mind because she studied hard before time-traveling. She is actually like a tireless lever, constantly rolling the snowball.

However, if you want to control such a huge change in a year, relying on a little cleverness is not enough. The original accumulation of capital does have a bloody smell, but if you don't have the strength or you always take the evil path, then that bloody smell will eventually emanate from yourself.

However, one day before going to bed, I suddenly remembered that this should be a fairy tale, not a monster-fighting story.

Therefore, I liberated Grindelwald in the first volume, and then tried to change Aileen's outlook on life and values little by little in the process of the second volume, trying to make this capital swallowing less cold and ruthless.

It is difficult for such idealized people to survive in the real financial market, because the world we live in does not have magic, so when one party's interests are to be satisfied, tragedy and difficulty will definitely be more than benefits, and if certain people and certain things do wrong, they will definitely be punished... If there is no magic, then it will become cruel, painful and desperate.

It was from that time that I gave up the original ending that might be more shocking and tragic, and thought about how to use magic and some attributes of finance to make the whole story play a good game in laughter.

The following content, in fact, slowly looking back, everyone should be able to vaguely think of some details.

For example, the scramble for vegetable gardens in the four colleges is actually a small unbalanced resource market. The students' fights are actually a microcosm of the wars that occur in the real world. However, magic and the school environment turn everything into a fairy tale, and magic makes the price that everyone needs to pay will not be permanent scars and pain.

Another example is the establishment of some columns in *The Quibbler*, gradually allowing information to move from a closed to a diversified media platform, knocking out a small window in the invisible barrier between Hogwarts and the magical world, and exploring the history between the past non-magical world and the magical world, looking for the契机(qiji) for the two worlds to merge together.

And the Acromantulas and Aileen who live in the Forbidden Forest are actually another failed game result.

Enmity and estrangement only need a small reason between two races to trigger a war of racial extinction level, which is actually another microcosm of human wizards and goblins. If there is no common interest point, then the other party's body is often the last point of interest – I will talk about the explanation of Gringotts separately later, here is just a brief mention.

Of course, in this process, I have also gradually grown up and began to learn to bury some foreshadowing and clues in the plot, waiting for the development of the third volume. After all, the expectation points of the third volume may not be so clear, and the deviation of the story line also leads me to almost no way to refer to the original plot in the next story.

The name of the next volume was determined a long time ago. The main line is very clear, and there are many things to write about. The perspective will also return from the outside to the school, mainly unfolding in Hogwarts. And the name is called "A Certain Scientific Hogwarts".

Combining this volume name with some of the previous content, many little chubby chickens should be able to imagine some stories. Most of them are changes brought about by Aileen's layout and campus life. However, many lines have not been fully developed to write, such as the reform of the Potions class, the principle of Transfiguration, the introduction of natural sciences such as mathematics, such as the thinking about ghosts and portraits, the scientific classification of magical animals, such as the necessity of modifying Quidditch and some magical regulations, such as the re-determination of the History of Magic, such as the academic progress of the magical world...

Compared to other books that upgrade and fight monsters, after finally becoming a strong person, they turn around to pursue money and material things. Aileen's path may be more inclined to quickly accumulate wealth, eliminate hidden dangers, and then concentrate on improving her strength, or better influence and change this world – people, after all, have to eat.

A full belly thinks of lust, only when the basic life and food and clothing are solved, will you have the energy to pursue the so-called truth.

Therefore, the story of the next volume will definitely not end hastily, and there is no need to worry that there will be too many situations that are separated from the previous text. After all, all the foreshadowing is actually traceable. This time, Aileen will finally stay in school and cause trouble with peace of mind.

However, that is a matter for the future. Let's now put the focus back on the end of the second volume.

This part of the financial knowledge is indeed a bit stiff. After all, such professional theories still need to be studied well for a while before you can imagine the whole picture by just looking at a little clue. Otherwise, there would not be so many financial-related practitioners who study until their hair falls out, or are directly exhausted and sick, especially when the concepts of sociology and mathematics are also mixed in here.

How to explain the things that chubby chickens have learned for seven years simply in a few sentences in the novel, I asked my mentor about this question one day when chatting, and as expected, I was severely ridiculed and taught a lesson, and then wisely chose to give up.

However, some of the most basic confusions and minutiae can still be roughly explained.

The timeline of the first volume, the second volume, and even the Harry Potter original works 1-7 are all compared to the real time of 1991-1998, and Aileen is currently in 91-92, which is the legendary end of the twentieth century, and also the starting point for the network era not yet growing up, and the financial era and information explosion about to begin.

At this time, most people still think about problems with the logic of the real economy, and the black-hearted bad guys mostly use some simple, crude, inefficient and discontinuous scams. In many cases, they are still entangled in the treaty traps of contracts, or the problems of credit and the real economy. As long as they are flexible, they are not easy to be deceived without professional knowledge.

In order to defeat Gringotts Wizarding Bank and the fragile financial system of this era, Aileen almost intensively used the classic financial scams, or classic legal loopholes, and still controversial market gray areas that have emerged and summarized in various parts of the world for more than 30 years in later generations within a year...

To put it simply, there are roughly: "real estate entrusted mortgage disputes", "lease-purchase disputes", "ruble scam", "Ponzi scheme", "pyramid scheme", "chain letter", "Kloss scam", "unjust transaction disputes", "bank run theory", "asymmetric information fraud", "bad money drives out good"……

However, standing from God's perspective and modern perspective, it seems that Gringotts' goblins and the people of the magical world and the non-magical world are very stupid – in fact, people who can tell her explanation are already considered industry leaders in that era.

Therefore, it is not that the opponent is being reduced in intelligence, but that Gringotts is facing a dimensionality reduction strike across the timeline. They don't even have cases and channels to understand these new scams, and they directly become the first prey. After experiencing such a series of scams, people and goblins may be able to learn lessons from the wounds.

This crushing situation in a sense also illustrates the qualitative change in the financial field throughout the world since the collapse of the Soviet Union.

As for what happened on the capital level from the first time Aileen stepped into Gringotts to the arrival of Her Majesty the Queen, I can actually omit the Soviet Union strategy part and simply explain it with some changes in money and equity.

First of all, the White-Haired Ball mortgaged the Hogwarts land deed and obtained a loan equivalent to 750 million Galleons. Her original purpose was to use the exchange rate difference after the collapse of the Soviet Union to exchange for rubles that were once worth 750 million Galleons with less than one percent of Galleon assets to repay the loan – in this way, she could net the percentage of all the exchange rates.

Later, with the Tianming Group, she amplified the equivalent of 750 million Galleons by purchasing real estate, loans, and then purchasing, and then loans, rolling the first snowball, raising the entire capital operation cost of the former Soviet Union, and reducing the cash flow rate, forcing other capital to extend the investment cycle and increase investment.

On the Gringotts strategy side, on the one hand, it used the Ponzi scheme to create panic and contradictions, and drastically squeezed Gringotts' reserve funds through runs, and on the other hand, it forced the racial hidden dangers between goblins and humans to appear in advance through trials.

Now, the result of the public trial is that the legitimacy of Aileen's first contract is denied, that is, the fact that the 750 million Galleons obtained from mortgaging Hogwarts have been transferred to the mortgagee is denied, which is equivalent to directly blacklisting the money – that is to say, the money is currently still in Gringotts' vault, not in Hogwarts.

At the same time, because Peter Pettigrew belongs to the dark magic forces, and the contract has loopholes, his illegal income needs to be returned to the legal owner, that is to say, Gringotts Wizarding Bank needs to pay Hogwarts 750 million Galleons of mortgage loan based on this point, of course, the current statement is that it is placed in the Lestrange vault.

That is to say, after such a transfer, Gringotts must pay twice the loan on the Hogwarts mortgage contract, from the original 750 million to a total of 1.5 billion Galleons.

Then, because Gringotts did not have enough money to pay the subsequent amount, the Tianming Group took out the 750 million Galleons in Hogwarts and lent it to Gringotts to pay Hogwarts.

It is equivalent to Gringotts needing to repay the Tianming Group 750 million Galleons of funds in addition to the second funding paid to Hogwarts. This part exists as a loan, that is to say, it needs to be repaid or replaced with equity later.

Finally, in order to cope with and quell the anger from other bankrupt wizards in the magical world, Gringotts had to roll back the bank's deposit records and return to the "deposit liability" amount before the April 1 run and Ponzi scheme increase. And this part of the money can only be paid by the part of the Galleons in Gringotts' vault that belong to Hogwarts – that is, the part of the funds that should have been in the Lestrange vault for the second payment to Hogwarts.

In other words, Hogwarts has become Gringotts' borrower instead. Gringotts will need to repay Hogwarts the part of the Galleons lent to Gringotts as the wizards' reserve fund later, or replace it with equity.

That is to say, after this mortgage contract has been transferred, Gringotts has increased a total of four Hogwarts mortgage contract liabilities, totaling a huge debt of 3 billion Galleons, and lost the right to mint coins, the right to operate, and the right to issue.

At the same time, Aileen also ate up the life savings of the rest of the wizards in the magical world in the entire Gringotts Wizarding Bank – the blame for this part of the money disappearing has now been placed on the Federal Reserve and the American goblins, which is equivalent to turning the savings of most of the British/European magical world into Aileen's pocket money overnight, and also turning it into Gringotts' bilateral liabilities.

And the Gringotts equity represented by [Hogwarts-Galleons] thereafter is actually all in Aileen's hands. Although it seems that as the currency flows into the market, it becomes equity owned by the whole people, this is meaningless.

To put it simply, suppose a round-faced chubby chicken holds ten Galleons, then theoretically speaking, he owns one billionth of the equity of Gringotts Wizarding Bank, but if he wants to cash out this right, he must permanently return this Galleon to Tianming/Hogwarts, which temporarily holds Gringotts' equity, and then obtain a certificate of equity.

And this certificate of equity can be used to redeem [Hogwarts-Galleons] from the bank again in the future. In other words, unless the Galleons in this market are gathered in the hands of a certain person again, it will never be possible to redeem the equity as the currency increases – because the certificate for redeeming the equity is the currency itself that needs to be circulated in the market.

This is another classic currency and equity scam, which will not be expanded here.

All in all, the second volume is finally finished. I am very happy to be able to tell this story with stumbles, and to complete such an important volume that connects the past and the future with clear and rigorous logic. This is just the beginning of the legendary experience of the third generation Demon King, not the end of the story. Of course, there are some small things that will be slightly wrapped up, but I won't say the specifics. It's a good habit not to spoil.

Frankly speaking, this is the first time I have written such a long story.

After all, according to the progress of most hp fanfics, this number of words is almost the time to end the book.

But when it came to me, the first school year was just approaching the end. It seems that this story will accompany everyone for a long, long time – crying and laughing, with mixed feelings – and after more than a year of writing, the chubby chicken has finally taken a small step on the road of becoming a writer. Although there are still super many problems, I am finally groping on the road.

As a novice writer, I am very aware of my shortcomings.

For example, the vocabulary is very small. Most of the time, it is difficult to find suitable non-repeating sentences in the description and transition places. In this regard, I would especially like to thank Yuan Tong, Cuttlefish, Elbow, Hidden Walker, Old Devil Boy, Newspaper Seller, Young Woman Bai... They gave me a lot of experience and words in character description and demeanor description. Whenever I don't know how to write, I will open the screenshot and turn over the chat records they gave me one by one. Although for these big guys, they are just examples that are blurted out in a few minutes, they are super important martial arts secrets for a silly newbie like me who only knew how to say "awesome" at the beginning.

Also, in terms of plot deliberation, I am actually still in a hazy state in the organization of outlines, detailed outlines, and plot highlights. After all, strictly speaking, this is still the first long story I have written. Here, I would especially like to thank my editor Wenle for helping me sort out many important plots after the book was opened, and providing and supplementing many story and worldview logic lines, although I have now completely deviated...

In addition, I am especially grateful to Brother Elbow for forcing me to learn how to write detailed outlines, write outlines, and even take his handwritten notes to teach me little by little. Before coding, I first recorded plot highlights and rhythms, which barely ensured that I could still insist on coding frequently without breaking the update for too long, and occasionally even explode a little bit.

On the other hand, Yuan Tong, Naiqi, Qipeijia, Air Conditioner, Wuku, Zhen Feishi, Qingshan, Qingquan Liuxiang, Gun Kai, Ci Miao, and Water Pig taught me a lot of content in terms of plot, character design, and meme creation. I have also been despised and ridiculed many times, but every time I asked, the big guys gave me super patient and super serious advice, and I also learned a lot of content from it, and also saw many of my shortcomings and the gap between me and these stars in the sky.

Of course, in terms of watering and single updates, I have also received a lot of support and encouragement...

All in all, writing is indeed a very hard thing, completely different from what I imagined when I read books before, but being able to tell your story little by little and let everyone see a new world, especially seeing everyone's comments, praises, and analysis, is a particularly pleasant thing, and this kind of thing is a double happiness for a chubby chicken who has transitioned from a reader, and I spend every night and morning reading the comments again and again.

Aww!

I like novels! I like online novels!

I like reading novels, I like writing novels, I like recommending novels, I like everything about words!

In words, I feel that I have finally found the meaning of my true existence...

Because the update has not been very good all the time, and the chubby chicken has no pursuit of data or anything, so I have never asked for anything, I only hope that everyone can come and read, and come and comment.

Now the second volume is finally over, and it is still over in the case of Mom Yeah and constant big chapters. So the chubby chicken shamelessly asks for praise, hearts, monthly tickets, and recommendation articles! Awww gugugu gugugu gugugu——

Hmm, as a chubby chicken who loves to learn, many cute curly-haired baboons and round-faced chubby chickens should have thought of what the last content is when they see this title. Of course, there can be no place left out when learning from the platinum god. A well-known big guy once said that when you decide to learn from a certain model and don't know what is most important, it is best not to arbitrarily omit and delete a certain link according to your own understanding.

So——

Finally, um... rest for half a day today, start coding at night, and try to write a chapter.

And seriously, this chapter of testimonials alone is almost three chapters, a full 6,000 words! Some explanations can be put in the main text, right! Right!

In the next volume, the white-haired ball finally began to stretch its claws towards the school... *A Bite of Hogwarts* is also coming back.

Volume 3, "A Certain Scientific Hogwarts", please look forward to it!

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