downgraded simplecov and added pry as a dependency

simplecov announced a bug in 0.8 so we're downgrading until that's resolved
removed checques method for resource
don't cover submission error
added test for detailed configuration of Lob object
added test of postcard creation with to address params
Merge pull request #32 from bsiddiqui/get-coverage-to-100

Get coverage to 100