def make_withdraw(balance):
    """ Return a withdraw function with a starting balance."""
    balance = [balance]
    def withdraw(amount):
        if amount > balance[0]:
           return 'Insufficient funds'
        balance[0] = balance[0] - amount 
        return balance[0]
    def deposit(amount):
        balance[0] = balance[0] + amount
        return balance[0]
    return withdraw, deposit