"Well, that's the point, I think," said Neville. "Binns didn't actually say what happened exactly with the Dirwents, but there wasn't an heir at all and so I think that's when Gringotts is supposed to step in and ennoble a new Great House. They've got a bunch of standard rules, too, though, so usually you can guess who they're going to pick, my Gran said." He thought about this for a moment, tapping his quill absently against his notes. Neville had gotten much more comfortable answering questions ever since he'd noticed that he could answer them correctly if he spent enough time learning all the answers, like Hermione had. "Like, I think if one person is responsible for the extinction of a House, whoever kills that person gets to be the new one, outside the normal rules? But the standard otherwise is that whoever's got the most money in Gringotts gets it, because, you know, goblins."