/**
 * TimeDepositAccount.java
 * 
 * Modification of an example in Cay Horstmann's "Computing Concepts with
 * Java 2 Essentials".
 * 
 * Demonstrates inheritance. Keeps track of a time deposit account.
 * There is an interest penalty for withdrawing before the time period ends.
 * 
 * @author Scot Drysdale on 4/23/00.  Modified 1/8/12
 */
public class TimeDepositAccount extends SavingsAccount {
  // Inherits balance from BankAccount, but cannot access it directly.
	// Inherits interestRate from SavingsAccount, but cannot access it directly.
  private int elapsedPeriods;           // Periods the account has existed
  private int maturityPeriods;          // Periods for account to mature
  private double interestPenaltyRate;   // Rate of interest to be deducted in
                                        //   case of early withdrawl.

  /**
   * Constructor to create TimeDepositAccount given interest rate, initial
   * amount, number of periods to maturity, and interest penalty rates.
   * 
   * @param rate the interest rate paid by the account
   * @param initialAmount the amount in the account when it is created
   * @param maturity the number of periods before can withdraw without penalty
   * @param penalty the rate charged as a penalty for early withdrawl
   */
  public TimeDepositAccount(double rate, double initialAmount, int maturity,
      double penalty) {
    super(rate, initialAmount);
    elapsedPeriods = 0;
    maturityPeriods = maturity;
    interestPenaltyRate = penalty;
  }

  // Inherits methods deposit, getBalance, transfer, and toString methods
  // from BankAccount and addPeriodicInterest from SavingsAccount.

  // Override addPeriodicInterest and withdraw to deal with elapsed periods.

  /**
   * Add periodic interest, keeping track of number of elapsed periods.
   */
  public void addPeriodicInterest() {
    elapsedPeriods++;
    super.addPeriodicInterest();
  }

  /**
   * Withdraw, but charge a penalty for early withdrawal if necessary.
   * Note that the penalty is on the entire balance, not just the amount withdrawn.
   */
  public void withdraw(double amount) {
    if (elapsedPeriods < maturityPeriods)
      super.withdraw((interestPenaltyRate / 100) * elapsedPeriods * getBalance());
    super.withdraw(amount);
  }
}