Update testing with coverage, make db and env configurable using figaro gem

Updating testing in general, adding in factory girl.

I also added the simplecov and coveralls gems for test coverage.  It doesn't seem to be reporting code files with no tests at all, but otherwise seems to be working.

I wanted to be able to use my local test databases for the current prx site, so I figured out how to use figaro to configure those using env and also how to stub out the rake test tasks not to blow away the test database.