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Cleaned up newline
Added password complexity requirements
clarified function desc
spelling fix in error message
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Added matching password test & fixed a typo causing StrictAdminPasswordChangeFormTest to not be run
FISMA compliance note added
added help_text to describe password requirements
Add tests around humanizing cents
updated line spacing for pep8
Added password success test
Add test settings into dev

Merges settings in test to dev so running tests does not require
separate setting file. Adds paygov app into main dev settings.

Other changes:
- Added __init__.py file in settings folder, to ensure files can be
accessed as modules.

Testing done:
Did not add addtional tests because not testing configuration. Ran
existing tests successfully:

>python manage.py test
Ran 37 tests in 15.353s
Merge pull request #34 from seanherron/password-requirements

Ensure password complexity requirements are met
I forgot to put the help text in the password change form.
Merge pull request #36 from seanherron/help-text-fix

I forgot to put the help text in the password change form.
enabled pip caching for travis
Merge pull request #38 from seanherron/travis-cache

enabled pip caching for travis
Merge pull request #37 from msecret/enhancement-improve_settings

Add test settings into dev
Shift some nested styles out; use main and section tags