DEVIDM-93: Some minor changes and bug fixes.
Merge branch 'master' into DEVIDM-93
DEVIDM-93: Create account from scratch use case added and a few more utility methods in the AccountAndCardProcess object.
DEVIDM-93: Removed synchronization from method.
DEVIDM-93: Stub user should not create new stub.
Merge pull request #93 from tomma/DEVIDM-93

DEVIDM-93: More Use Cases and Fixes.