function [m,a] = IRA(s,r)
if isempty (s) s = 100; end %Spent hours on this, doesn't work
if isempty (r) r = 5; end   %Despite coming straight out of lecture slides

%   m is variable for months
%   a is variable for total amount
%   s is variable for savings per month
%   r is variable for interest rate

m = 0;
a = s * (1 + r/1200);

     while(m < 600 && a < 1000000)
        if a < 1000000
            a = s + a * (1 + r/1200);
            m = m + 1;
        elseif  a >= 1000000
                 m = m + 1;
                 a = s + a * (1 + r/1200);
        end
    end
end