Smile Bank to Ledger

I'm not entirely sure whether a class structure is appropriate for this. At the
very least because I'm only ever creating one of them, but also because
although it's nice having the separate methods for each stage of the logon
process, etc, they don't really make sense, and cna't be used, as standalone
methods. I'm also not sure about the use of instance variables. Splitting
things out into methods almost requires them as passing arguments would be a
bit clumsy, but then it is almost like using global variables. So, all in all,
I've attempted to make it more Ruby-ish, but I think I've failed.

- I'd got credits and debits the wrong way round
- Adds in dealing with memorable date logon details check-in: 5454406454 user: atomicules tags: trunk