It was the first time Tierney had ever seen a goblin. Her parents hadn't taken her into the bank with them before because they were afraid the goblins would frighten her. And they were right. Tierney was seven and the goblin was a full metre above her, leaning over his counter to stare at her. His eyes were so blue they looked like glacial ice. His ears were inches out from his head, ending in sharp points that Tierney was convinced could slice right through her. Tufts of white hair sprouted up around his ears, but the rest of his head was bald. He was missing teeth, all of them, except two pointed canines. He winked at Tierney. She wrenched free of her father's hand and ran screaming out of the bank.
With a lurch in the pit of her stomach, Tierney came back to her surroundings. She tried to suppress a shiver as the goblin in front of her now asked her for her key. She handed it over, trying desperately to avoid touching his thick, wrinkly skin. Her mouth filled up with saliva. Oh Merlin, she was going to be sick!
Tierney leant over, with one hand holding her hair back. Her breathing was coming in rasps. Her face was grey.