public class Bank
{
	public Borrower createBorrower( Address address, Mortgage mortgage, Name name )
	{
		return new Borrower( address, mortgage, name );
	}

	public Borrower createBorrower( int streetNumber,
					String streetName,
					String city,
					String state,
					int zipCode,
					int amount,
					double interestRate,
					int numberOfYears,
					String firstName,
					char middleInitial,
					String lastName )
	{
		Address address = new Address( streetNumber, streetName, city, state, zipCode );
		Mortgage mortgage = new Mortgage( amount, interestRate, numberOfYears );
		Name name = new Name( firstName, middleInitial, lastName );

		return new Borrower( address, mortgage, name );
	}
}