Merge pull request #7 from awguild/staging

Staging
read the app cert and key without File.read
put a new line character at the end of the application.yml file
add new line to end of cert & rsa files
use environment variables for cert and key
Merge pull request #10 from awguild/paypal

read the app cert and key without File.read
disambiguate paid column
Merge pull request #11 from awguild/paymentSearch

Payment search