all the form changes - nested attributes and more.  Programs added. Team added.
added affiliations to schema and form; added advisory to form
affiliations, networks, prizes, balances, incomes, instit_donors: added all as tables to schema; added models; updated form and controller
updated association tests
minor schema change
added networks and affiliations join tables
fixed merge conflicts and added approved field
bug fixes
Merge pull request #42 from mule-deer-2013/form_update

Form update
merging my devise with the latest from lloyd