Can someone explain me why it isn’t possible for the class TaxWay in the code to hold a member variable Bank that is initialized by a reference? What should I change in the code to make it correct? 
When I change the member variable to a reference as `Bank&`, then it works. I thought that the same should happen with a “not reference variable”. How can it be done? 

```
class Bank;

class TaxWay : public Way
{
  public:
    TaxSquare(int, int, Bank&);
    virtual void process();

  private:
    int taxAmount;
    Bank bank;
};

TaxWay::TaxWay(int anID, int amount, Bank& theBank) 
: Way(anID),taxAmount(amount),bank(theBank) 
{
}

```

I create an object as:

```
TaxWay TaxWay9(9,150, theBank);

```