No longer require restart for toggle exchange rate

Fixes issue #643 and allows fiat button to work without restart

No logic is required because Send tab gets removed and added for every
toggle.
abstract and improve seed and key methods
more robust get_seed_text
fix: do not lower xpub
Merge pull request #662 from wozz/issue-643

No longer require restart for toggle exchange rate
lower default fee. fixes #403
simplify getseed: do not return hex
switch default display to mBTC
no accounts in multisig wallets
Merge branch 'master' of github.com:spesmilo/electrum into electrum-myr

Conflicts:
	lib/wallet.py
change back to MYR from mMYR after merge