View tweaks

- Application layout
- Application.css.less and less partials
- Include bootstrap js
Generator/Scaffold templates.
Use the latest rails and ruby versions, 4.0.0.rc2 and 2.0.0-p195.
factory_girl is in the house.
Rails 4 Gemfiles don't include an assets group (and other tweaks).
Default to generating a rails_40 project (no way to specify rails_32 yet).
simple_form configuration.
Add simplecov for code coverage reporting.

- COVERAGE=1 rake
- rake spec:enable_coverage spec
- rake spec:coverage
- rake simplecov
Use database_cleaner for clean databases.
better_errors and binding_of_caller for in browser debugging in development. Requires a single server process.
fuubar for instant feedback of failing specs.
Clean up rails_(32|40).
Add capybara and poltergeist for feature specs and a simple pages_controller with a root action (with a feature spec to exercise).