Use correct or operator

This wasn't doing what you think it's doing:

> pastloans=read.csv(file='LoanStats.csv', header=T)
Warning message:
In scan(file, what, nmax, sep, dec, quote, skip, nlines, na.strings,  :
EOF within quoted string
> nrow(pastloans)
[1] 3035
> pastloans=pastloans[pastloans$Status=='Charged Off' ||
pastloans$Status=='Fully Paid',]
> nrow(pastloans)
[1] 3035

The problem was the use of the wrong or operator, which was just
returning a single-element TRUE:

> pastloans$Status=='Charged Off' || pastloans$Status=='Fully Paid'
[1] TRUE

Fix is to use the vectorized or:

> pastloans=pastloans[pastloans$Status=='Charged Off' |
pastloans$Status=='Fully Paid',]
> nrow(pastloans)
[1] 3033
Ignore CSV files
Fix mismatch in utilization values

Ensure all revolving line utilization values are in the range 0-100;
currently the past loans are 0-1 and the new loans are 0-100.
Merge pull request #2 from pak21/master

Two further bugfixes