plans and some initial front end cc work
money
faster tests (much much faster)
use the appropriate ruby version on travis
put worthless test keys on travis for stripe
remove incorrect spec
Merge pull request #339 from chrisrhoden/money

Money Backend stuff.
even faster specs
stripe mock everythign
guard bundler
meter audio files
Merge pull request #340 from chrisrhoden/metered

meter audio files
organizations should not cause unattached users to crash
some bad legacy data problem
more resilience
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