def validate
errors.add(:debt, "should be non-negative") if debt.nil? || debt < 0.00
+ errors.add(:email, "is invalid") unless email =~ /.+@.+\..+/
+ errors.add(:phone, "has invalid format, use XXX-XXX-XXXX") unless phone =~ /^\d{3}-\d{3}-\d{4}$/
end
end