validation and index on gringotts_user.user_id for uniqueness
no longer create blank gringotts_user rows; phone # required
changing phone numbers in factory to pinpoint if there is an issue with database_cleaner
successful phone number feature+steps
settings controller -- load user settings & redirect on success
verification controller/route for challenge
refactor -- renaming Gringotts::User to Gringotts::Settings
(it came to me in a dream last night... best refactor evarr)
use main application's layout; respond to _url and _path without main_app prefix
thanks soooooo much to Blogit for figuring this out http://bit.ly/171c0G8
settings refactor / cucumber tests:
 - load settings for each step for most-up-to-date version
 - settings not automatically created; must first validate
 - generic "received message" step definition
 - settings belongs_to user
 - (temporary) flash message for successful phone number
redirect to verfication_url after success
thanks to http://bit.ly/GWKxLu for helping with routing error