//Put this on action taken in the conversation editor
void main()
{

object oPC = GetPCSpeaker();

if (GetGold(oPC) >= 40000)
   {
   AssignCommand(oPC, TakeGoldFromCreature(40000, oPC, TRUE));

   CreateItemOnObject("socketedgem83", oPC);

   }
else
   {
   ClearAllActions();

   ActionSpeakString("I am no fool Vagabond, go get some gold and come back to deal honestly with me!");

   }

}