构造函数问题求解：（红体的2行什么意思，不是很清楚），求大神指导

#include<iostream>
#include<math.h>
#include<string.h>
using namespace std;
class balance
{private:
float funds;
public:
balance(float a=0):funds(a)
{}
~balance(void)
{}
void add(const float x);
void sub(const float x);
void print(void) const;
};
    void balance::add(const float x)
{
funds=funds+x;
}
void balance::sub(const float x)
{
funds=funds-x;
}
void balance::print(void) const
{
float temp=funds;
   if(funds>0)
{cout<<"余额:";
}
 else
{cout<<"欠款:";
 temp=-temp;
}
int yuan=int(temp);
cout<<yuan<<"元";
int jiao=int((temp-yuan)*10);
cout<<jiao<<"角";
int fen=int(ceil(temp*100-yuan*100-jiao*10));
cout<<fen<<"分"<<endl;
cout<<endl;
cout<<"------------------------------------------------------"<<endl;
}
class creditcard
{
private:
long creditcardno;
char name[30];
balance remains;
    public:
creditcard(const long a,char *n,balance r):creditcardno(a),remains(r)
 {
 strcpy(name,n);
 }
 ~creditcard(void)
 {}
 void add(const float x);
 void sub(const float x);
 void transfer(creditcard &a,const float x);
 void print(void) const;
};
void creditcard::add(const float x)
{
remains.add(x);
}
 void creditcard::sub(const float x)
 {
 remains.sub(x);
 }
 void creditcard::transfer(creditcard &a,const float x)
 {
 cout<<"用户:"<<name<<"转账给"<<a.name<<"金额："<<x<<"元"<<endl;
 remains.sub(x);
 a.remains.add(x);
 }  
 void creditcard::print(void) const
 {
 cout<<"姓名："<<name<<" ";
 cout<<"账户："<<creditcardno<<" ";
 remains.print();
 }
int main()
{
creditcard a1(100000,"强天晨",balance(1000));
creditcard a2(100001,"爸",balance(0));
creditcard a3(100002,"儿子",balance(-1000));
a1.print();
a2.print();
a3.print();
a1.transfer(a2,999.99);
a2.add(1000);
a3.sub(1000);
a1.print();
a2.print();
a3.print();
                        cout<<"最穷的永远是我啊，我穷我快乐"<<endl;
return 0;
}