Defauls system and config file

Allow use of configuration file in ~/.banalize/config
Add default method to use defaults inside policies.
Override defaults with own style file

First working draft, needs testing
Personal styles configuration

Add support for personal 'style' configuration. Policies can have default
values  that can be  overridden by configuration file.

closes #3
Formatting
Force encoding of script files to utf-8

On some files with control characters banalize fails with:
+ bundle exec ./bin/banalize --color dir --allow_files --all --recursive ../lib ../test
error: invalid byte sequence in US-ASCII
Finished: SUCCESS