2013 Validity

This will resolve cfpb/hmda-pilot#49
Rule here should be 
```
"rule": {
    "if": {
        "property": "coapplicantRace1",
        "condition": "not_equal",
        "value": "8"
    },
    "then": {
        "and": [
            {
                "property": "coapplicantEthnicity",
                "condition": "not_equal",
                "value": "5"
            },
            {
                "property": "coapplicantSex",
                "condition": "not_equal",
                "value": "5"
            }
        ]
    }
}
```