rfc: marking non-leaf example accounts as placeholders

[Josh Sled]

In the example account hierearchies, it seems that we should encourage
the creation of placeholder accounts for all the non-leaf accounts ...
any objections to my changing the datafiles in this way?

-- 
...jsled
http://asynchronous.org/ - `a=jsled; b=asynchronous.org; echo ${a}@${b}`