public class TimeDepositAccount extends SavingsAccount
{  private int periodsToMaturity;
   private static double EARLY_WITHDRAWAL_PENALTY = 20;

	public TimeDepositAccount(double rate, int maturity)
    {  super(rate);
       periodsToMaturity = maturity;
    }

    public void addInterest()
    {  periodsToMaturity--;
       super.addInterest();
    }

    public void withdraw(double amount)
    {  if (periodsToMaturity > 0)
         super.withdraw(EARLY_WITHDRAWAL_PENALTY);
       super.withdraw(amount);
    }

}