Gold, silver, and jools

[Boo Radley]

You know how rumors grow. Personally, I would have to go with what the Gaffer says. He was, after all, an eye witness.
And it wouldn't surprise me if at the start of those rumors about excessive wealth and tunnels full of "jools' you found a certain Lobelia Sackville-Baggins.

But you didn't hear that from me...