Test commit: add a docs folder and one file

Here's a simple test commit to try out some process end to end.   I was going to make some changes in the wiki then discovered that github doesn't let you fork wikis (you can clone them, but not fork them).  I think the pull-request is a really good idea as a review process, so I'd rather work in the fork.

So, the idea is: I will build documents in /docs, some of which may later be migrated to the wiki.   I will use pull requests to get feedback, etc.

Sound okay?