def make_withdraw(balance):
    """ Return a withdraw function with a starting balance."""
    def withdraw(amount):
        nonlocal balance   # Declare the name "balance" nonlocal at the top of the body
			   # of the function which it is re-assigned
        if amount > balance:
           return 'Insufficient funds'
        balance = balance - amount #Re-bind balance in the first non-local frame in which
			           #it was bound previously
        return balance
    def deposit(amount):
        nonlocal balance
        balance = balance + amount
        return balance
    return withdraw, deposit