function newAccount(aName) {
  var name = aName;
  var balance = 0;

  return {
    getDescriptionString : getDescriptionString,
    handleCredit : handleCredit,
    handleSeveralDebits : handleSeveralDebits
  };

  function getDescriptionString() {
    return "\r\nThe balance of " + name + " is " + balance;
  }

  function handleCredit(amount) {
    balance += amount;
  }

  function handleSeveralDebits(arrayOfAmounts) {
    arrayOfAmounts.map(function(amount) {
      handleDebit(amount);
    });
  }

  function handleDebit(amount) {
    balance -= amount;
  }
}