Update effective-forms.md
Update effective-forms.md

Replaced with a ton of content from "Designing transaction" in the Gov.uk Service Manual (https://www.gov.uk/service-manual/user-centred-design/designing-transactions.html), which uses the Open Government License v2.0 (http://www.nationalarchives.gov.uk/doc/open-government-licence/version/2/.
mebates/design-manual,cafescience/design-manual,niqjohnson/design-manual,ielerol/design-manual,ascott1/design-manual,portofsandiego/design-manual,duelj/design-manual,CapeSepias/design-manual,sonnakim/design-manual,ascott1/design-manual,stephanieosan/design-manual,stephanieosan/design-manual,ielerol/design-manual,KimberlyMunoz/design-manual,contolini/design-manual,huetingj/design-manual,KimberlyMunoz/design-manual,sonnakim/design-manual,duelj/design-manual,portofsandiego/design-manual,niqjohnson/design-manual,cafescience/design-manual,CapeSepias/design-manual,marteki/design-manual,portofsandiego/design-manual,jimmynotjim/design-manual,mebates/design-manual,stephanieosan/design-manual,ascott1/design-manual,ascott1/design-manual,sonnakim/design-manual,huetingj/design-manual,huetingj/design-manual,contolini/design-manual,niqjohnson/design-manual,contolini/design-manual,ielerol/design-manual,mebates/design-manual,KimberlyMunoz/design-manual,jimmynotjim/design-manual,duelj/design-manual,ielerol/design-manual,marteki/design-manual,marteki/design-manual,jimmynotjim/design-manual,marteki/design-manual,CapeSepias/design-manual,huetingj/design-manual,niqjohnson/design-manual,stephanieosan/design-manual,cafescience/design-manual,mebates/design-manual,contolini/design-manual,jimmynotjim/design-manual