Add End of the Month and Freezing

Added an ability in the Manager menu to end the month. Each customer
pays off their creditbalance from chequing. If they don't have enough
money the credit account is frozen. Added automatic unfreezing in
deposit.

Added a create/read failed payments ability
Merge pull request #2 from jgould22/WorkWithoutWraps

Pull From Tim

Added an ability in the Manager menu to end the month. Each customer
pays off their creditbalance from chequing. If they don't have enough
money the credit account is frozen. Added automatic unfreezing in
deposit.

Added a create/read failed payments ability