changes based on Michaels email. read detail below

1. making phone number optional. and carrier id is only checked when phone number is present.

2. deleted unused _form_sscgen.html.erb

3. putting flash notice for password sent.

4. making password fields disabled/unnecessary in edit profile page.

5. in login chain, the "You may now access your tax information and edit your profile. "  is now "and/or edit your profile."