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    #| BEGIN (Write your solution here) |#
(define (make-account balance correct-password)
  (define (withdraw amount)
    (if (>= balance amount)
        (begin (set! balance (- balance amount))
               balance)
        "Insufficient funds"))
  (define (deposit amount)
    (set! balance (+ balance amount))
    balance)
  (define (dispatch password m)
    (cond ((not (eq? password correct-password))
           (error "Incorrect password"))
          ((eq? m 'withdraw) withdraw)
          ((eq? m 'deposit) deposit)
          (else (error "Unknown request -- MAKE-ACCOUNT"
                       m))))
  dispatch)
#| END |#