failing -- config loading on initialization is causing indeterministic failure
reduced code complexity of config initializer in engine
(hopefully) finally pinpointed indeterminism in tests; fix'd
removed "turn on verification" checkbox from setup
verification message changes
add "turn off" and "change phone number" links on success page
main gringotts page redirects user depending on state (test wording changes too)
gringotts_protego! *should* cover some gringotts pages, unless part of verification
should no longer be confirmed if change phone_number (wip)
for security, only show last 4 digits of phone number on verify page
turning off mobile verification destroys gringotts settings
bumpped version to 0.4.0
Merge branch 'release-0.4.0'