Updating Gemfile.lock for heroku
Fixing csv require in schwab_parser.rb
Updating fields of transactions to all be lower-case.  Uppercase names are reserved for classes
and confuses some ActiveRecord functions
Fixing unit test names (must end in _spec.rb) for library classes
Putting on a limit to the number of analyzed transactions to avoid heroku timeout (30 seconds)
Refactored app to use an Action resource instead of error-prone strings for action fields.