anchor.diff:              |> List.map(fun x -> formatLine locale currency x)
               |> List.reduce(( + ))
   
  -    headline + content
  +    createHeadline locale + content
  
positive.code:     "\n" + (formatDate entry.dat locale) + " | " + (formatDescription entry.des) + " | " + (prettifyMoney locale currency (getValue entry))
  
  let formatLedger currency locale entries =
      
      let headline = createHeadline locale
  
      let content =
          match entries with
          | [] -> "" 
  
negative.code:     | _ -> ""
  
  let formatDescription (description:string) =
      match description with
      | d when d.Length <= 25 -> description.PadRight(25)
      | d when d.Length = 25 -> description
      | _ -> description.[0..21] + "..."
  
  let formatMoney (locale:string) (value:float) = value.ToString("#,#0.00", CultureInfo(locale))
  
  