using System;

public class BankAccount{

  // automatic generation of private instance variables

  public BankAccount(): this("NN") {   
  }                                    
                                       
  public BankAccount(string owner){    
    this.Balance = 0;                  
    this.Owner = owner;                
  }                                    

  public string Owner {get; set;}     

  public decimal Balance {get; set;}   

  public override string ToString(){
    return Owner + "'s account holds " + Balance + " kroner";     
  }                                                               
}