. simplification of options when scanning a card; for example, never any "change acct" button on formI
. created form account/ssn
. created form account/kba
. "Not yet a member? <a>Check it out</a>!" on login
. members can scan their own card to sign in (just add pword)
. revised tests and usd class to use Dwolla sandbox effectively for testing
. added verification of AuthorizedRepresentative (for that Dwolla registration step of that name)
. passes all tests except Membership (tests need revision)