rearranged requests; fanned credits out into more of a partials oriented way
have planned out changes to credits, or at least tools
start of day commit
fixed error in credits/index view:  current_layout not available in view
tests working on index for credits
have cleaned out navbar stuff at top & switching from admin to regular user in text
have fixed flow for credits; may not work as well for other models
have credits working, if in an ugly way