Clearest example of closures ever?

tipper.js

var tipper = function (percentage) {
  return function tip(total) {
    return total + (total * (percentage / 100));
  };
};

var generous = tipper(20);
var normal = tipper(18);
var stingy = tipper(8);

console.log(generous(24.50), normal(24.50), stingy(24.50));