Changes:

- fixed BPAY REF number generations (incorrect Order ID or missing)
-- already reported here http://www.magentocommerce.com/boards/%7Bpath:viewforum%7D/viewthread/17584/
-- though that fix does work
- Added Mod 10 Version 5 to REF generation
-- now configurable in admin
Looks like this is causing a conflict and preventing an automated merge.