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Add tests around humanizing cents
Add test settings into dev

Merges settings in test to dev so running tests does not require
separate setting file. Adds paygov app into main dev settings.

Other changes:
- Added __init__.py file in settings folder, to ensure files can be
accessed as modules.

Testing done:
Did not add addtional tests because not testing configuration. Ran
existing tests successfully:

>python manage.py test
Ran 37 tests in 15.353s
Merge pull request #37 from msecret/enhancement-improve_settings

Add test settings into dev
Shift some nested styles out; use main and section tags
Merge pull request #35 from cmc333333/landing-search

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Try with no special installation instructions
Merge upstream
Don't track genered gpg file