added service_manager 0.6.4 to Gemfile
corrected hooks file, grr
updated .gitignore
added service_manager config
added services support file
removed sleep from transaction processor
removed 'clarifying' text from a balance-related acct step
teller balance SD: removed requirement for URL including '/balance'
added async support, but tests still flickering
copied copyright notice from online code examples
acct steps: changed step def func call format to match the book