Change getInviteesWithoutBidsFromOwnFunds

Send to all invitees who have not made a loan with their own funds,
even if they have logged in, starting one month after they register and
continuing once per month for three months.
Change footer in unused_funds, invitee_own_funds emails
Add  sub-headings and account preferences page
Update notification preferences
Add loan_fully_funded_notify preference
Small fix
Add loan_disbursed_notify account preference