add docs (text only)

docs/README.md

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+<p align="center">
+  <img src="./manual/images/logo.png" alt="BitcoinAfter.Life logo" width="110" />
+</p>
+
+<h1 align="center">BAL — Bitcoin After Life · Documentation</h1>
+
+Documentation for the **BAL** open‑source Electrum plugin for Bitcoin digital
+inheritance. Everything here is plain Markdown + images (and optional styled
+HTML), so it renders directly on GitHub and via GitHub Pages — **no PDF needed**.
+
+## Contents
+
+| Document | Markdown (GitHub) | Styled HTML |
+|---|---|---|
+| **User Manual (revB)** — full plugin manual with screenshots | [`manual/README.md`](./manual/README.md) | [`manual/manual.html`](./manual/manual.html) |
+| **Inheritance Options Guide** — every change (date earlier/later, add/remove heir, change %, fees, executors) + decision flow chart + transaction states & server effects | [`inheritance-options.md`](./inheritance-options.md) | [`inheritance-options.html`](./inheritance-options.html) |
+
+## Quick links
+
+- 📖 **New to BAL?** Start with the [User Manual](./manual/README.md).
+- 🔁 **Changing a will?** See the [Inheritance Options Guide](./inheritance-options.md)
+  to know exactly what happens (and whether it costs an on‑chain fee).
+
+## Viewing the HTML versions
+
+- On GitHub Pages: enable Pages for this repository (Settings → Pages → deploy
+  from branch, folder `/docs`), then open
+  `https://<owner>.github.io/<repo>/manual/manual.html`.
+- Offline: download the `docs/` folder and open the `.html` files in any browser
+  (the styled manual works fully offline; the inheritance‑options page loads
+  Mermaid from a CDN for the live diagram, and also ships a static SVG fallback).
+
+---
+
+*The manual is the GitHub‑friendly edition of the official BAL PDF
+([bal_plugin_manual](https://bitcoin-after.life/gitea/bitcoinafterlife/bal_plugin_manual)).*