Load cardlib

Now that reference_types is in, most of this list is already in, but it is a nice list, so I will * the items still on this branch uniquely.  Oh, maybe just one item ...

It is working really well, but I just ran into the issues with running cucs.  We can begin to review this while figuring out the test configuration issues.

Change sets included here:
0) fix_tests (missing from develop still)
1) Transclude => Include
2) wagn/model => cardlib rename, but that is split off too (model_cardlib)
3) errors => render_errors
* 4) loading changes (preambles and sets.rb mainly)  This also better supports action_events lines of development to follow soon
5) reference related refactoring to improve the algorithms and use the card cache as needed too.
6) some user/account related things that move more towards the complete card based accounts (mostly session related)
7) dependents refactor (note caching discussion needs some resolution)
8) ruby_initializers cleanup
  a) if_card removed
  b) Array#except removed
  c) plot replaced with map
  d) send_if added
9) fetch_or_new to fetch :new=>{args} completion