Merge pull request #4 from linesarefuzzy/3169_test_suite

Merge pull request #3 from linesarefuzzy/3729_rails_upgrade

Merge pull request #2 from linesarefuzzy/3169_test_suite

3729: Adds secrets.yml example

3729: Upgrade to rails 4

3691: Adds more loan specs

Merge remote-tracking branch 'origin/3169_test_suite' into 3169_test_suite

3169: Code Review adjustments

3691: updates needed due to recently changed db schema

3169: Add specs, update gems, minor code changes

3169: Project cleanup to prep for test suite

Merge branch 'production' into develop

3210: hotfix 1.0.2: set default country to All except in argentina

Merge branch 'production' into develop

hotfix 1.0.1: nil country bug