Rails starter configuration

This is a standard Rails starter app. Only thing of importance to look at is the last commit:

Check `database.yml` and see if you agree with the setup. This is the gist:

* production environment will just read from environment variable `DATABASE_URL`. Hence, no config needed.
* we have no test environment yet, so there is no test database configuration.
* development environment is set to default to the cloud hosted db as defined in `database.yml`. If a user wishes to use their own local one, they should set `DATABASE_URL` locally.