Uses an internal lambda for dispatching on messages.

We can also create objects that handle deposits as well as withdrawals, and thus we can represent simple bank accounts. Here is a procedure that returns a “bank-account object” with a specified initial balance:

  (define (make-account balance)
    (define (withdraw amount)
      (if (>= balance amount)
          (begin (set! balance 
                       (- balance amount))
                 balance)
          "Insufficient funds"))
    (define (deposit amount)
      (set! balance (+ balance amount))
      balance)
    (define (dispatch m)
      (cond ((eq? m 'withdraw) withdraw)
            ((eq? m 'deposit) deposit)
            (else (error "Unknown request: 
                   MAKE-ACCOUNT" m))))
    dispatch)

3.1.1 Local State Variables

https://sarabander.github.io/sicp/html/3_002e1.xhtml#g_t3_00...

A closure, specifically, because closures are a poor man's object.

https://wiki.c2.com/?ClosuresAndObjectsAreEquivalent