utils.py init.
add get_user_info(), get_user_id(), get_user_guarantor(), get_user_warrantee().
add get_user_all_loans(), get_user_new_three_loans(), get_all_unchecked_loans().
add get_user_all_behaviours(), get_user_new_ten_behaviours(), get_all_unchecked_behaviours().
create classes: LoanRequestHandler, DueRequestHandler, SplitRequestHandler.