Gemfile updates according to latest gems
changing annotate to latest version
move bcrypt-ruby line up.
6.3.1 done, need to do 6.3.2
adding password related fields and rspec checks
updated user_spec, 6.3.2 done
listing 6.29 and section 6.3.3 are done.
updates to User model per listing 6.30
fix typo pasword to password