Adds `factory_girl_rails` for model factories.
Introduces simple firms and error pages.
Adds `last_sign_in_at` to Principal model.
Simple auth for Principal using the token.
Excludes certain pages from authentication.

Specifically the error, contact, pre-qualification and identification pages.
Page objects for the firms and error pages.
Adds a bare-bones factory for the "Principal" model.
Use timecop to freeze time during feature specs.
Adds a request spec to test token authentication.
Simple feature spec for e-mail verification.
Merge pull request #23 from moneyadviceservice/verify-principal-email

Verify principal's e-mail address