public abstract class Loan
{
    protected String m_name;
    protected double m_interestRate;
    protected int m_length;
    protected double m_principal;
    protected double m_monthlyPayment;

    public Loan(String name, double rate, int years, double amount)
    {
        m_name = name;
        m_interestRate = rate;
        m_length = years;
        m_principal = amount;
    }

    public String process()
    {
        calcMonthlyPayment();
        return makeSummary();
    }

    public String makeSummary()
    {
        return "Summary!";
    }
}