1. A monitoring and accounting system for three-dimensional (i.e. X-axis, Y-axis, and/or Z-axis) acceleration/deceleration in a human-operated vehicle comprising: acceleration/deceleration indicating means for generating a first signal when acceleration or deceleration of said vehicle, in the direction of said X-axis, is detected; acceleration/deceleration indicating means for generating a second signal when acceleration or deceleration of said vehicle, in the direction of said Y-axis, is detected; acceleration/deceleration indicating means for generating a third signal when acceleration or deceleration of said vehicle, in the direction of said Z-axis, is detected; processor means for receiving said first, second, and third signals and constructing a unified data record at a plurality of predetermined time intervals; and storage means for compiling a plurality of said unified data records for immediate review or later retrieval; wherein said unified data record comprises contemporaneous X-axis, Y-axis, and/or Z-axis acceleration/deceleration data.