Updated text, add anchor "readmes"

It appears that github doesn't save my directories if they are empty,
but I want them to be there for consistency.
So, for each folder, I made sure that there is a file in there, namely
at least an empty "readme.txt" file.  (there should ultimately be one
there anyway).
These is probably a way to make github save them, but no time to look
into that right now.

Also, update main readme, and main todo.txt