make-secure-account1

(define (make-secure-account password balance)
  (define tries 7)
  (define bal 0)
  (define password1 0)
  (set! password1 password)
  (set! bal balance)
  (define (object pw withdraw)
    (cond ((not (equal? password1 pw)) (begin (set! tries (- tries 1))
                                              (if (<= tries -1)
                                                  (call-the-cops)
                                                  "Wrong password!")))
          ((>= bal withdraw) (begin (set! bal (- bal withdraw))
                                    (set! tries 7)
                                    bal))
          (else (begin (set! tries 7)
                       "Insufficient funds!"))))
  object)