int newAccount(BankAccount account[], int max_accounts, int num_accts){
    BankAccount * b;
    //make sure there is space left
    if(num_accts+1 <= max_accounts){
        b = &account[num_accts];
        string fname, lname, type;
        int SSN;
        double acctbalance;
        cout << endl << "Please enter first name: ";
        cin >> fname;
        cout << endl << "Please enter last name: ";
        cin >> lname;
        cout << endl << "Please enter SSN (Social Security Number): ";
        cin >> SSN;
        cout << endl << "Please enter Account Type: ";
        cin >> type;
        cout << endl << "Please enter Account starting Balance: ";
        cin >> acctbalance;
        b->setFirstName(fname);
        b->setLastName(lname);
        b->setSSN(SSN);
        //increment the account number
        int greatest = 0;
        BankAccount * g;
        for(int i=0; i < num_accts; i++){
            g = &account[i];
            if(g->getAccountNumber() > greatest){
                greatest = g->getAccountNumber();
            }
        }
        greatest++;
        b->setAccountNumber(greatest);
        b->setAccountType(type);
        b->setAccountBalance(acctbalance);
        num_accts++;
        return num_accts;
    }
//Account Functions --------------------------------------------------------------------------------------------------------
int read_accts(BankAccount account[], int max_accounts){
    //start counter
    int count = 0;
    //temporary variables
    string fname, lname, type;
    int SSN;
    double acctbalance;
    //count how moany entries are in the file.
    while(!File.eof() && count < max_accounts){
        File >> fname >> lname >> SSN >> type >> acctbalance;

        count++;
    }
    //loop back to top of file.
    File.clear();
    File.seekg(0, ios::beg);
    //counter for our current account
    int i = 0;
    //create pointer for changing the values at the direct address in memory
    BankAccount * b;
    //loop trhough file and save and set values
    while(!File.eof() && i < count){
        //set our current account into our pointer variable
        b = &account[i];
        //define our file format
        File >> fname >> lname >> SSN >> type >> acctbalance;
        //set all of our values
        b->setFirstName(fname);
        b->setLastName(lname);
        b->setSSN(SSN);
        b->setAccountNumber(i);
        b->setAccountType(type);
        b->setAccountBalance(acctbalance);
        i++;
    }
    return count;
}