added ruby version hint, removed editor specific gitignore entries, rails version in Gemfile
updated to bootstrap 3.0
added view showing contracts ordered by remaining term with balance for given year (as needed by anmerkungen for e-bundesanzeiger)
first document can be directly exported to pdf
finished pdf interest reports
adapted README
setting timezone should fix ui test during the night
fixed markdown syntax
generation of thanks letter depends on interest instead of balance