Added beginning draft of manual for 3.0

This is being kept in Scrivener format, for ease of writing.

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+{\rtf1\ansi\ansicpg1252\cocoartf949\cocoasubrtf460
+{\fonttbl\f0\fmodern\fcharset0 Courier;}
+{\colortbl;\red255\green255\blue255;}
+\pard\tx560\tx1120\tx1680\tx2240\tx2800\tx3360\tx3920\tx4480\tx5040\tx5600\tx6160\tx6720\sl264\slmult1\ql\qnatural\pardirnatural
+
+\f0\fs28 \cf0 The totals reported by the balance command are only the topmost parent\
+accounts.  To see the totals of all child accounts as well, use the\
+@option\{-s\} option:\
+\
+@example\
+ledger --real -B -s bal\
+@end example\
+\
+This reports:\
+\
+@smallexample\
+           $2,980.00  Assets\
+           $1,480.00    Bank:Checking\
+           $1,500.00    Brokerage\
+          $-2,500.00  Equity:Opening Balances\
+              $20.00  Expenses:Books\
+            $-500.00  Income:Salary\
+@end smallexample\
+\
+This shows that the @samp\{Assets\} total is made up from two child\
+account, but that the total for each of the other accounts comes from\
+one child account.\
+\
+Sometimes you may have a lot of children, nested very deeply, but only\
+want to report the first two levels.  This can be done with a display\
+predicate, using a value expression.  In the value expression,\
+@code\{T\} represents the reported total, and @code\{l\} is the display\
+level for the account:\
+\
+@example\
+ledger --real -B -d "T&l<=2" bal\
+@end example\
+\
+This reports:\
+\
+@smallexample\
+           $2,980.00  Assets\
+           $1,480.00    Bank\
+           $1,500.00    Brokerage\
+          $-2,500.00  Equity:Opening Balances\
+              $20.00  Expenses:Books\
+            $-500.00  Income:Salary\
+@end smallexample\
+\
+Instead of reporting @samp\{Bank:Checking\} as a child of @samp\{Assets\},\
+it report only @samp\{Bank\}, since that account is a nesting level of\
+2, while @samp\{Checking\} is at level 3.\
+\
+To review the display predicate used---@code\{T&l<=2\}---this rather\
+terse expression means: Display an account only if it has a non-zero\
+total (@code\{T\}), and its nesting level is less than or equal to 2\
+(@code\{l<=2\}).}
\ No newline at end of file