Set config stretches to 1 for non production env.

- Set config stretches to 1 for non production environments
Add a document outlining possible user states.

 - Add doc/user-states.textile
Add a document outlining possible user states.

 - Rename doc/user-states.textile to doc/user-states.md
Preload app configuration on application start

- Preload app configuration on application start to
  make it available within environment initializers.

- Read mailer default url from APP_CONFIG

- Move load config initializer into lib/
Merge changes from the previous pull request branch.

- Merge branch 'pull_request_03_12_2013_a'
  into test_cleanup_03_18_2013_a.