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 Something that stops many people from keeping a ledger at all is the\
+insanity of tracking small cash expenses.  They rarely generate a\
+receipt, and there are often a lot of small postings, rather than\
+a few large ones, as with checks.\
+\
+One solution is: don't bother.  Move your spending to a debit card,\
+but in general ignore cash.  Once you withdraw it from the ATM, mark\
+it as already spent to an @samp\{Expenses:Cash\} category:\
+\
+@smallexample\
+2004/03/15 ATM\
+    Expenses:Cash                      $100.00\
+    Assets:Checking\
+@end smallexample\
+\
+If at some point you make a large cash expense that you want to track,\
+just ``move'' the amount of the expense from @samp\{Expenses:Cash\} into\
+the target account:\
+\
+@smallexample\
+2004/03/20 Somebody\
+    Expenses:Food                       $65.00\
+    Expenses:Cash\
+@end smallexample\
+\
+This way, you can still track large cash expenses, while ignoring all\
+of the smaller ones.}
\ No newline at end of file