edits text in trust & security page based on lender feedback
Display borrower-specific banner only in open loans

Closes #97
Small fix
Fixes #87
Fix "hide karma" checkbox in profile edit page

See #91
Fix invite confirmation

Fixes #82
Disable MailChimp in development environment
edited Trust & Security link text
adds new staff introduction section to loan profile page
fixes formatting of new introduction section
displays staff summary in loan search page
corrects intro display in loan search page
fixes title in loan profile pages to use translations if provided
removes extra space above city in loan search page
Add dev implementation for getCardCode12

Closes #102
Add `array_get` utility function
Remove php notices from borrower registration form
Add missing columns to loanapplic schema
Add loan_categories table, loan_category_id column
Use string instead of (undefined) constants