Public Function balanceTransfer(ByRef dest As account, ByVal amt As Double) As Boolean
        Dim ok As Boolean
        If amt <= 0 Then
            ok = False
        Else
            If amt > bal Then
                ok = False
            Else
                ' we're good to go
                bal = bal - amt
                ' add to destination account
                dest.bal = dest.bal + amt

            End If
        End If
        Return ok
    End Function

    Public Function deposit2(ByVal amt As Double) As Boolean

        Dim ok As Boolean
        If amt <= 0 Then
            ok = False
        Else
            ' ok to go
            bal = bal + amt
            'balance = balance + amt

        End If
        Return ok
    End Function