CLA.py literal cut & paste from PDF (formatting has been lost)
CLA.py: re-format true to the original
test.py: add code from "Snippet 16. Using the CLA class."
add permission to upload to github with authors' indications
add GNU GPL LICENSE per pdf retrieved from
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2197616
test.py: remove hardcoded path to data csv file and add auto-download of author-provided data
.gitignore: add
add README.md