Exercise 1.32: 


 Show that sum and product (Exercise 1.31) are both special
cases of a still more general notion called accumulate that combines a
collection of terms, using some general accumulation function:


(accumulate 
 combiner null-value term a next b)

Accumulate takes as arguments the same term and range specifications as
sum and product, together with a combiner procedure (of
two arguments) that specifies how the current term is to be combined with the
accumulation of the preceding terms and a null-value that specifies what
base value to use when the terms run out.  Write accumulate and show how
sum and product can both be defined as simple calls to
accumulate.

 If your accumulate procedure generates a recursive process, write one
that generates an iterative process.  If it generates an iterative process,
write one that generates a recursive process.