added user friendlier html pattern for iban and bic. you can now use whitespaces and lower case letters. the check method removes whitespaces and changes the letters to upper case.
Sephpa is now available via composer
Sephpa is now splitted up into `SephpaCreditTransfer` and `SephpaDirectDebit`
[SepaUtilities](https://github.com/AbcAeffchen/SepaUtilities) is now a project on its own
added namespaces
changed the directory names
added `$check` parameter to Sephpa constructor. It defaults to true, so Sephpa will check and sanitize all inputs its self.
added `downloadSepaFile()` and `storeSepaFile()`