updated repo name
implemented Account model
implemented model BankAccount
implemented Characteristic and Comment
added Honorific model
implemented Account and Contact
updated Account and Contact descriptions
updated BankAccount description
update User and Role descriptions
implement CreditCard model
implement Currency model
created CurrencyRate stub
deleted:    api/controllers/CreditCardTypeController.js
deleted:    api/models/CreditCardType.js
implemented Terms, partial Customer model, added TaxZone