Ownership guide

This is a work in progress, but this should get *extensive* review, so I'm putting it up early and often.

This is the start of a draft of the new 'ownership guide,' which explains ownership, borrowing, etc. I'm feeling better about this framing than last time's, but we'll see.
I'm gonna disagree with you there, Steve. It's a British thing, sure, but American English is also switching over, especially in Hacker circles (see [Jargon File](http://www.catb.org/jargon/html/writing-style.html)).