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Version History:

 1.0 2009-09-29 initial release

 1.1 2009-10-09 return this from append

 1.2 2010-01-25 fix bug in rarely used clear method.

 1.3 2010-02-13 convert from JDK 1.6 to JDK 1.5

 1.4 2011-06-08 add room, size, used methods

 1.5 2011-11-13 append methods now ignore null parameters

 1.6 2011-11-19 checkEstimate method to get advance warning an estimate is too tight or too generous.

 1.7 2012-11-19 add the drop method to drop last appended String. e.g. to trim last comma.

 1.8 2013-03-12 add toCommaList

 1.9 2013-04-10 add toSpaceList and toSeparatedList

 2.0 2014-03-22 handle null in Object..., add setPolicy to allow recover

 2.1 2014-04-16 new constructor to build a string all in one line

 2.2 2014-04-29 methods to insert separators, toSeparatedList

 2.3 2014-07-02 slightly different way of calculating when space is getting tight or is too generous.
                setWhereTextCameFrom to help locate problems.

 2.4 2014-09-07 add toAndList to produce an comma list with the word and.

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