Comment 95 for bug 1198465

Signed off on the code from Jason, Dan and Remington and then added a commit that 1) changes "adjustment payment" to "account adjustment" as described above and 2) removes references to credits in the description for the OU settings. Patron credits are different than negative balances and are not impacted by the code in this branch.

Working branch at

http://git.evergreen-ils.org/?p=working/Evergreen.git;a=shortlog;h=refs/heads/user/kmlussier/lp1198465_cond_neg_bal_rebase_2015