Misc Bug fixes and other Housekeeping

1.) Corrected a bug in the install script that prevented the default
error message from being saved in the config file.
2.) Created a folder named "reference" in the library directory, and
moved several files there. This new folder contains "bonus files", such
as special testing AIML files, Unicode example AIML, and other files
that may be of interest to some folks.
3.) Re-wrote the README file to bring it up to date, and to make certain
passages within a little easier to understand.