filter .bundle directory from simplecov
refactor workflow for password reset requests:

* add `Identity#clear_password_reset!` to enforce 
  password reset workflow steps and properly 
  support conditional validation logic.
* rename `Identity#generate_password_token!` to
  `Identity#generate_password_reset!` to match 
  names with the clear method.
clarify and strengthen `password_required?` logic
ensure `Identity.verify!` updates the record
rbx tests are passing again
password_confirmation requires distinct logic
Merge pull request #42 from phlipper/fix-identity-verification

Fix Identity verification