A couple of USD changes
Merge branch 'master' of github.com:CommonGoodFinance/rCredits
Merge branch 'master' of github.com:CommonGoodFinance/rCredits
Merge branch 'master' of github.com:CommonGoodFinance/rCredits
Merge branch 'master' of github.com:CommonGoodFinance/rCredits
Initial checkin of dwolla library