rails 4.1.1 application skeletion

* postgres
* no spring
* no turbolinks
* no test unit
* no javascript
* dotenv-rails in place of secrets.yml
dump schema in SQL format
empty database schema dump
simple bootstrap script

prepares:
  - bare minimum environment variables
  - installs gems
  - sets up development and test databases
add bootstrap information to readme
add rspec-rails 3.0.0.beta2 gem
generate rspec configuration
don't require all gems in Gemfile on rails startup

this is an performance optimization, probably premature. the other
reason for this is to force active thought about application
dependencies and where they're used - this is for design feedback.
add capybara gem
define an acceptance specific test spec_helper
placeholder home page is renderable

this also serves as a sanity check for the environment setup.
autoload lib/
migration: add users table
add bcrypt gem
User model with "has_secure_password" password hashing
remove models/concerns
define a simple email format
add shoulda-matchers
new users can register for a membership
add unicorn gem and configuration