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 If your ledger file uses the standard top-level accounts: Assets,\
+Liabilities, Income, Expenses, Equity: then the following queries will\
+enable you to generate some typical accounting reports from your data.\
+\
+Your @emph\{net worth\} can be determined by balancing assets against\
+liabilities:\
+\
+@example\
+ledger bal ^assets ^liab\
+@end example\
+\
+By removing long-term investment and loan accounts, you can see your\
+current net liquidity (or liquid net worth):\
+\
+@example\
+ledger bal ^assets ^liab -retirement -brokerage -loan\
+@end example\
+\
+Balancing expenses against income yields your @emph\{cash flow\}, or net\
+profit/loss:\
+\
+@example\
+ledger bal ^exp ^inc\
+@end example\
+\
+In this case, if the number is positive it means you spent more than\
+you earned during the report period.\
+\
+@c ----------------------------------------------------------------------\
+\
+The most often used command is the ``balance'' command:\
+\
+@example\
+export LEDGER=/home/johnw/doc/ledger.dat\
+ledger balance\
+@end example\
+\
+Here I've set my Ledger environment variable to point to where my\
+ledger file is hiding.  Thereafter, I needn't specify it again.}
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