Phase 2 - Number 4 - Test Levels implemented.  Specifically: 1) Any user can answer a level 1 test in any category, or any tests that have a level at or below the user's level in that test group. 2) Users cac create tests in categories at levels at or below their current level in that test group, as long as their level in that category is at least half the highest level test created. 3) When a test is rejected, its details are provided to the page so it isn't all just lost data.  There are some edge cases that I haven't tested, and probably some easy exploits that need to be sealed, but on its face it works.