个人银行账户问题（抄书的有点惭愧，就当激励自己吧）

#include<iostream>
#include<cmath>
using namespace std;
class SavingsAccount{       //储蓄账户类
private:
    int id=0;         //账号
    double balance=0;     //余额
    double rate=0;    //存款的年利率
    int lastDate=0;   //上次变更余额的时期
    double accumulation=0;    //余额按日累加之和
    void record(int date,double amount);
    double accumulate (int date)const{
    return accumulation+balance*(date-lastDate);
    }
public:
    SavingsAccount(int date,int id,double rate);
    int getId(){return id;}
    double getBalance(){return balance;}
    double getRate(){return rate;}
    void deposit(int date,double amount);       //存入现金
    void withdraw(int date,double amount);  //取出现金
    //结算利息，每年1月1日调用一次该函数
    void settle(int date);
    //显示账户信息
    void show();
};
//SavingsAccount类相关成员函数的实现
SavingsAccount::SavingsAccount(int date,int id,double rate)
    :id(id),rate(rate),lastDate(date),accumulation(0)
{
    cout<<date<<"\t#"<<id<<"is created"<<endl;
}
void SavingsAccount::record(int date,double amount)
{
    accumulation=accumulate(date);
    lastDate=date;
    amount=floor(amount*100+0.5)/100;   高斯函数(向下取整数)，用来得到不大于一个数的最大整数，声明在头文件cmath中
    balance+=amount;
    cout<<date<<"\t#"<<id<<"\t"<<amount<<"\t"<<balance<<endl;
}


void SavingsAccount::deposit(int date,double amount)
{
    record(date,amount);
}
void SavingsAccount::withdraw(int date,double amount)
{
    if(amount>getBalance())
        cout<<"Error:not enough money"<<endl;
    else
        record(date,-amount);
}
void SavingsAccount::settle(int date)
{
    double interest=accumulate(date)*rate/365;
    if(interest!=0)
        record(date,interest);
    accumulation=0;
}
void SavingsAccount::show()
{
    cout<<"#"<<id<<"\tBalance:"<<balance;
}
int main()
{
    SavingsAccount sa0(1,21325302,0.015);
    SavingsAccount sa1(1,58320212,0.015);
    //几笔账目
    sa0.deposit(5,5000);
    sa1.deposit(25,10000);
    sa0.deposit(45,5500);
    sa1.withdraw(60,4000);
    //开户了后第90天到了银行的计息日，结算所有账户的年息
    sa0.settle(90);
    sa1.settle(90);
    //输出各个账户信息
    sa0.show();
    cout<<endl;
    sa1.show();
    cout<<endl;
    return 0;
}