Company#valid_account?
using vcr gem and caching wsdl.xml for faster development
refactoring to decouple Company from CompanyInfo and Client
vcr config => allow_http_connections_when_no_cassette
Company#send_transactions plus a lot of code needed to make this work
add vcr cassete for Company#send_transactions
add gem 'simplecov' to development
ACHFile#total_num_records
ACHFile#total_debit_records

/* fixing previous commit */
ACHFile#total_debit_amount
improving tests
ACHFile#total_credit_records + ACHFile#total_credit_amount + some refactoring
Company#send_transactions
Transaction#cust_trans_type refactoring
Transaction#front_end_trace
update vcr cassetes
Transaction#transaction_code
Transaction#check_or_trans_date + Transaction#effective_date
Transaction#memo
Transaction#op_code