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## own balances.
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## own balances.
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##
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##
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## This is a very nifty way of creating "closures" and a little thought
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## This is a very nifty way of creating "closures" and a little thought
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## will show you that there are many ways of using this in statistics.
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## will show you that there are many ways of using this in statistics.
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#  Copyright (C) 1997-8 The R Core Team
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open.account <- function(total) {
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open.account <- function(total) {
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    list(
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    list(
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	 deposit = function(amount) {
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	 deposit = function(amount) {
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	     if(amount <= 0)
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	     if(amount <= 0)