#lang sicp

(define (make-account balance account-password)
  (define bad-passwords 0)
  (define (withdraw amount)
    (if (>= balance amount)
        (begin (set! balance (- balance amount))
               balance)
        "Insufficient funds"))
  (define (deposit amount)
    (begin
      (set! balance (+ balance amount))
      balance))
  (define (call-the-cops)
    (error "Call the cops"))
  ;;(let ((bad-passwords 0))
  (define (dispatch password m)
    (if (eq? password account-password)
        (begin
          (set! bad-passwords 0)
          (cond ((eq? m 'withdraw) withdraw)
                ((eq? m 'deposit) deposit)
                (else (error "Unknown request -- MAKE-ACCOUNT"
                             m))))
        (begin
          (set! bad-passwords (+ bad-passwords 1))
          (if (> bad-passwords 7)
              (error "Call the cops")
              (error "Incorrect password")))))
  dispatch)

(define (make-joint linkee-account linkee-password account-password)
  (lambda (password m)
    (if (eq? password account-password)
        (linkee-account linkee-password m)
        (error "Incorrect joint password"))))