Tip4commit

* modification to config/application.rb loads config/config.yml pre-processed - allowing cross-development of the various forks which have drifted out of compatibility (switchable in config/config.yml and config/database.yml - [see mine for example](https://github.com/bits4commits/bits4commits/blob/master/config/config.yml))

* developer README contains install instructions and also some tentative contribution guidelines (ADMIIN: plz review/modify/remove)