#49 reference.txt is practically unreadable. I've fixed much of it.

[Kevin Cole]

I found the formatting -- or lack thereof for reference.txt to be pretty bad. So, I created an HTML version. (I tried finding the source document from which reference.txt was extracted but was unable to find it.) I've attached the HTML version below. It could still use a bit of work, but it's an improvement -- I think -- over the original.