Loved the goblins, laughed my ass off over the 'quarterly statements from majority until the day they die' line and the general petty bureaucratness of them.
The magic--both the wards and the ritual--was interesting and inventive, and I enjoyed your characterizations of both Harry and Snape, not to mention Ron and Hermione.
I thought the ending was a tad abrupt, and I was disappointed by the lack of resolution between Harry and Snape, but the story overall was really well done.