"Good evening," the goblin responded, "My name is Ricbert," Draco’s eyes flicked momentarily to his name badge, "May I first apologise on behalf of the bank for our late start," he said smoothly, "Unfortunately, I was called away on an urgent matter," a likely story, "and secondly, may I congratulate you on the imminent acquisition of your new vault - Gringotts hopes that this is the start of a long and fruitful relationship between yourself and the bank," Ricbert seated himself behind his desk, and pressed his palms together.