(defun figure-finance-charge (average-daily-balance daily-periodic-rate days-in-cycle)
  (* average-daily-balance daily-periodic-rate days-in-cycle))

(defun print-statement (start-date closing-date starting-balance transactions)
  (setq start-date (time:parse-universal-time start-date))
  (let ((balance starting-balance))



(defun print-statement-entry (date msg balance &optional (stream t))
  (format stream "~&~a  ~a~40t~d"
	  (date-string date)
	  msg
	  balance))
	


(defun date-string (universal-time)
  (multiple-value-bind (nil nil nil day month nil)
      (decode-universal-time universal-time)
    (concatenate 'string
		 (time:month-string month :short)
		 (format nil " ~2,'0d" day))))