errata release (broken)
point to my hds branch with errata updates
update fixtures to match qrda errata release, don't run warning phase of new schematrons
bump hds version for payer template fix
Added new QRDA file classes
Updated QRDA file tests
Moved QRDA Utility Test to QRDA File Test
Changed usages of QRDA Utility to QRDA File
Removed QRDA Utility
Refactored QRDA Cat1 and Cat3 files to validate either errors or warnings (errors by default)
Updated the warning validators in the QRDA Cat 1 and 3 classes
Added ArgumentError throw to QRDA_file if uploaded file is not XML
remove warnings from cat 3 tests
point to HDS master, point to lower case resource files because git is weird
Merge branch 'master' of https://github.com/projectcypress/cypress into qrda_errata_2014

Conflicts:
	Gemfile
	Gemfile.lock
fix Gemfile.lock weirdness
fix stupid case insensitivity problem
readding schematron stuff that was screwed up by case sensitivity
fix capitalized folder name
fix discrepancy between error counts and test messages