(define (make-account balance password)
  (let ((count 0)
        (error-limit 1))
    (define (withdraw amount)
      (if (>= balance amount)
          (begin (set!  balance (- balance amount))
                 balance)
          "Insufficient funds"))
    (define (deposit amount)
      (set! balance (+ balance amount)))
    
    (define (dispatch m)
      (cond ((eq? m 'withdraw) withdraw)
            ((eq? m 'deposit) deposit)
            (else (error "Unknow request -- MAKE-ACCOUNT"
                         m))))
    (define (validate p op)
      (if (eq? password p)
          (begin (set! count 0)
                 (dispatch op))
          (begin (set! count (+ count 1))
                 (check-safe))))

    (define (check-safe)
      (if (> count error-limit)
          call-the-cops
          (error "error password")))

    (define (call-the-cops n) "CALL THE COPS")
    
     validate))

(define acc (make-account 100 'psw))

((acc 'ss 'withdraw) 10)
((acc 'sd 'withdraw) 2)
((acc 'df 'withdraw) 34)
((acc 'dd 'withdraw) 33)
((acc 'dd 'withdraw) 32)