class Account:
    interest = 0.02
    def __init__(self, account_holder):
        self.balance = 0
        self.holder = account_holder

    def deposit(self, amount):
        self.balance = self.balance + amount
        return self.balance

    def withdraw(self,amount):
        if amount > self.balance:
            return 'Insufficient funds'
        self.balance = self.balance - amount
        return self.balance

class CheckingAccount(Account):
    """A bank account that charges for withdrawals."""
    withdraw_charge = 1
    interest = 0.01
    def withdraw(self, amount):
        return Account.withdraw(self, amount + self.withdraw_charge)

class SavingAccount(Account):
    deposit_charge = 2
    def deposit(self, amount):
        return Account.deposit(self, amount - self.deposit_charge)

class AsSeenOnTVAccount(CheckingAccount, SavingAccount):
    def __init__(self, account_holder):
        self.holder = account_holder
        self.balance = 1