add oink gem
update Gemfile.lock
prevent double submission of new bank account
clarify bank account confirmation process
correct credit card transaction fee, fixes #25
edit help message on payments page
order user payments with latest first
show upcoming payment to users with recurring
send user email receipt when payment is made
update readme
Merge pull request #26 from epicodus/improve_payments
change amount to dollars in payment receipt
only rescue exceptions from Balanced API
Merge pull request #27 from epicodus/only_rescue_balanced_exceptions

only rescue exceptions from Balanced API
ensure updating old payments does not cause unexpected behavior
Merge pull request #28 from epicodus/updated_at_test

ensure updating old payments does not cause unexpected behavior
add assessment model, routes, controller, and specs
add validations to assessment model
add assessment requirement model, update associations
rename assessment_requirement model to requirement -- cherry picked