PhoneGap/cordova activation - index.html - use a working test to determine
that we can actually expect cordova to start.  This sucks, but the only
alternative I see - depending on a timeout to detect the absence and go
ahead with the init, anyway - is sucky too.
misc.js in_cordova: window.device.cordova is a string, not a function.
Do the initial keychain fetch in the settings_manager, where/when it's needed.

Provide a stub keychain object, that uses local storage, for debugging of
app outside of cordova.
Surface "setmgr" as exposed alias for settings_manager when debugging.
Clarify adjust_settings operational comments.
Whoops - include user_settings.js in the builds!

The ios build will once again work, but the real keychain will not.