Refactoring: restoring test suite to working order

Nil pointer exceptions rue the day ... need to rethink design here.
Because modules can encapsulate modules, there may be an argument for
recasting 'Profile' class as a module ... question is will value added
analytical features, i.e., kua et al, filter up to the encapsulating
class.

Also, want to lose the current Person constructor: instantiation should
be simple and features added-in by assignment, e.g. person_x.profile =
Profile.new(...)  Syntactically and visually a lot cleaner and also
underscores the flexibility, modularity of the design.