The 'if' block is to replace the 'if' block of your 'Check Your Balance' code above.
The 'get' method ('public int getCredits()') allows other classes to access the value of your 'private int Credits' field in the Return class. The method is called on a Return object; therefore, a reference to a Return object must be obtained (see line 3 of the 'if' block). I had already specified where this 'getCredits' method should go.

