App2lib

This *looks* like a huge PR, but it's not all that involved.  Mostly just cukes and moving things around.  Biggest changes:

1. New cuke features for setup, signup, and reset password
2. Removed or trimmed features that were duplicates (eg content_setting and templating were basically identical) or offered no real advantages over specs (eg virtual cards -- not sure why that one merits a feature, and that's well tested as a spec).
3. optimized and cleaned steps a bit - much more to be done
4. moved lots of things into lib/cards, including env and loader (from lib/wagn), mailer (from app/mailers) and account (from app/models.  is now "auth", to minimize confusion with all/account and right/account)