Various small changes to documentation

  changed to_s for PS::Object to be more slim.
  Closure logic in prep for &instantiate_by_find
updated gemspect
Fixed gemspec and Gemfile
Moved responsibilities of ps object instantiation

  Moved to util where it should be
Fixed recurringpayment spec
Wrote tests for util methods

  also changed name of snake_case and camel_case to to_snake_case
  and to_camel_case, respectively.
Added support for end case date parsing
Got coverage to 100%, woo
Changed default env to production

  Added tests for require format methods
fixes 5
&update_by_find response block for payment

  probably needs to be refactored
Made all tests pass