sub new {
    my $class = shift;
    my $name  = shift;
    my $self  = {
        NAME           => $name,
        CREDITAMOUNT   => Math::BigInt->new(0),
        DEBETAMOUNT    => Math::BigInt->new(0),
        CREDITACCOUNTS => [],
        DEBETACCOUNTS  => [],
    };
    my $closure = sub {
        my $field = shift;
        if (@_) { $self->{$field} = shift; }
        return $self->{$field};
    };
    bless( $closure, $class );
    return $closure;
}

##</code><code>##

# public to add accounts to the creditaccounts
sub addCreditAccount {
    my $closure  = shift;
    my $account = shift;
    my $accountsref = &{$closure}( "CREDITACCOUNTS" );
    push @{ $accountsref }, $account;
}

##</code><code>##

# public getBalansCreditAmount to get the amount of all accounts
sub getBalansCreditAmount {
    my $closure = shift;
    my $totalCreditAmount = $closure->getCreditAmount();
    for my $balans ( $closure->getCreditAccounts() ) {
        $totalCreditAmount += $balans->getBalansCreditAmount();
    }
    return $totalCreditAmount;
}

##</code><code>##

# private getCreditAccounts
sub getCreditAccounts {
    caller(0) eq __PACKAGE__ || confess "getCreditAccounts is private";
    my $closure = shift;
    my @accounts = @{ &{$closure}( "CREDITACCOUNTS" ) };
    return @accounts;
}