NEW YORK — Congestion pricing is finally on its way to Manhattan — barring a judicial ruling favoring New Jerseyans and outer-borough commuters who’d rather drive than take a train or bus. It’s been 14 years since the idea was formally proposed by then-Mayor Mike Bloomberg, and five years since it was approved by the state Legislature. After all the years of discussion and the ongoing lawsuits over its implementation, New Yorkers should be forgiven if they’ve lost track of exactly how the MTA plans to make congestion pricing work. Here are some questions and answers about how Manhattan congest…