cfreader/[ini, json, yaml, binary, list] with tests!

Issue #784 leaves me wanting to get configfile under test. This PR extracts the file types into their own libraries with test coverage.
This is precisely why we should be writing good tests against *current* code before we refactor things.  It's taken me a 2nd reading before I noticed this.

Before you fix this - you should write further test to expose this bug in each of the loaders.