Scope and Access Practice Test

In a library system, Book stores title and author privately to avoid patron edits. The front desk uses public borrowBook and returnBook to enforce rules. A protected calculateOverdueFee supports internal charges. How does the chosen access modifier affect access to the title field?

In a banking system, BankAccount uses public deposit and withdraw for safe updates. The balance field stays hidden to prevent bypassing overdraft checks. A protected method computeMonthlyInterest supports internal calculations. What access modifier should be used for the balance field in the given scenario?