CCEffectRefraction - Disable the refraction effect according to the normal map's alpha channel

If alpha == 0, then you just get the base color and texture but no contribution from the environment.
This is implemented as a multiply not a conditional so alpha values between 0 and 1 will modulate
the environment color.
CCEffectsTest - Update torus images
CCEffectHue - Address Scott's review comments regarding matrix ordering

Create transposed versions of the matrices and reverse the order of all operations using them.
The effect is the same but we decided that this would be easier for others to understand.  Change
the comments around a bit to explain what's going on.