Revert "Update useragent to v0.4.16."

This reverts commit 80c7be32c965d60d08a3ba0ba8effc5c3907a8d4.
Update timecop to v0.5.9.1.
Update brakeman to v1.9.1.
Update ci_reporter to v1.8.4.
Update factory_girl_rails to v4.2.0.
Update capybara to v2.0.2.

 - Include Capybara::DSL in request specs.
 - Update have_css API to use `text`.
 - Be explicit about which lender we are selecting.
 - Be explicit about choosing the first link when managing lending limits.
 - Specify navigation when clicking links.
 - Cater for changes in Capybara's fill_in selector.
 - Cater for changes in Capybara's select API.