Jokers

Some of my favorite card games have a joker.  I started implementing a "joker" card.  I'm not happy with this so far, as I **hate** ```Card.new(nil, nil, 'Red')```

But it's still worth talking about, at least to see if this is worth moving forward. 
Perhaps, yes... I didn't get that far.  I was in full TDD mode, and I just haven't gotten to the point where I needed to write a test that made the blind ```options.any?```

Maybe I could post this branch to the main project, and then anybody could work on it?