add promissory note scaffold
using zeus for rspec (not a mandatory install)
basic note feature created
- added note general fields (amount, rate, term, start_date)
- added lender and borrower to note as relationships using the User
  class
- successful note creation (some validations need to be added) redirects
  to /notes/:id
- added notes#show page title "Review promissory note"
no need to rebuild lender/borrower relations in #edit
basic form layout with twitter bootstrap grids
adding suggestion to pay the fees and centered form button
first wireframe for notes#show page
use STI for lender and borrower subclasses of user
adding placeholders in notes form, loading borrower/lender in notes#show
removing lender/borrower models, adding fields to note model
removing mentions of borrower/lender in form and controller
removing borrower/lender mentions in notes#show
make specs pass
Merge pull request #14 from akshatpradhan/checkout_with_dwolla

add/review promissory note