Merge branch 'master' into payments
select('id')

TODO limit memory
Merge branch 'payments'
gem smarter_csv
tempfile deleted
paperclip work
refactor period upload

use paperclip to store files
use smarterCSV to read in chunks
maybe use ActiveSupport::Dependencies::Reference.clear! if need be
as: :file
delayed job ENV vars
fix indent
csv use path or url
international S3 paperclip
remove paperclip S3 international
manually open CSV for S3
new relic

TODO remove license_key from yml file
verbose CSV
transaction every chunk for period import

no after commit on period
find_each on after_commit
use find_each and transaction
refactor and benchmark import