split out policy logic

this should make complex logic easier later
add a spec for AnswerPolicy
add some more seed users
use postgresql COPY to import users
add created_at/updated_at columns to user import
use copy to import votes
patch_classes is no longer used
remove unneeded vote object
remove dependency on activerecord-import
add some more seed users
Merge branch 'copy-import'

this speeds up some import functionality using PostgreSQL copy
move reputation settings into a global 'site settings' file
Merge branch 'master' into admin-dashboard