made specs default to current_user = Joe User
moved a bunch of format_spec tests into set specs
cleaning up link specs / getting rid of #render_test_card
cleaning up a little unused test code
cleaning up specs for lots of less used sets
lots more spec cleanup, especially account and stuff formerly in card.rb
cleaned up / consolidated spec_helper files
moved role spec stuff into account set spec
moved the last remaining "tests" over to specs
still more spec fleshing out / organizing