Ledger test

https://ripplelabs.atlassian.net/browse/RIPD-432

@JoelKatz @vinniefalco 

This is still somewhat of a WIP, but it is time to get the bulk of it onto develop, get some experience with it, and see where we go from there.
This is existing code that just changed files.  I'm going to remove the comment as it is no longer correct.  But otherwise this test is greek to me too.  Fixing this existing test is out of scope.