Fix a few more name shadowing issues
Introduce new mtl-based Hbci, HbciConf and HbciIO monads

These are more modular in the scope of their effects and are intended to
replace HBCI a.
Make the HbciReader, Hbci, HbciIO  a bit simpler to work with
Switch test client code over to simpler monads
Improve handling of balance job
Move Utils and jobs out of TestClient2.hs and into their own files