Revert "Set devise secret key in initializer"

This reverts commit a48adb858707793829bfc5ba224ababb3a3910dc.
Use ActiveSupport::Autoload
bump budget_planner to 4.0.0.671
Webchat text typo

Changed ‘Advisors’ to ‘Advisers’
Remove validates_timeliness

This library has been abandoned, has been producing deprecation warnings
and is only used to validate a single field so remove it and perform the
validation ourselves
Merge pull request #790 from moneyadviceservice/remove-validates-timeliness

Remove validates_timeliness
Make Recommended tools panel collapsible

Also move Set Goal button onto new line
Merge pull request #791 from moneyadviceservice/my-account-tweaks

My account UI tweaks
Bump debt_free_day_calculator.
change MAS_CMS_URL to point to localhost
Cms repository fixes
Get articles from the cms