testing
Merge branch 'develop' into PLFM-2378
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parser with no errors or warning
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Merge pull request #1089 from brucehoff/release-32

Release 32
Fixing migration of credentials in stack32
TOU can be null if user exists but has not seen TOU
Merge pull request #1091 from alxdarksage/release-32

Fixing migration of credentials in stack32
Fixing 'no-arg constructor not present' error
Merge pull request #1092 from alxdarksage/release-32

Fixing 'no-arg constructor not present' error
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