Test that inactive users can't sign in

I don't remember why I was writing this, but it's good to have, right?
article visibility: hide BBN sharing from non-BBN-enabled orgs

https://www.pivotaltracker.com/story/show/49157313
Change wording on lend-a-hand page

https://www.pivotaltracker.com/story/show/49162755
Change wording of crisis update mail

https://www.pivotaltracker.com/story/show/49162829
Change Article factory to more closely match app behavior.

Articles are written by users on behalf of organizations; the user
factory has an organization association, but the organization factory
doesn't by default have a user association.  Changing the article
factory's organization association to a user association covers both
without disrupting the existing test suite.
Add a scope to filter out deactivated users

That is, users that themselves have been deactivated, or users who
belong to deactivated organizations.
https://www.pivotaltracker.com/story/show/44384531
Update article feature

Reflects new implementation of Article factory association.  See
30b3622.
Revert "Add a scope to filter out deactivated users"

Katy asked for deactivated orgs to have their stuff hidden; she didn't
say anything about users, and I can imagine the majority of situations
in which users are deactivated might want their articles and etc. to be
retained.  So, revert this.
This reverts commit 4f865c79b40468cf28bad7bc9716ab26a5ee9510.
More changes to article test suite to match app behavior
Spec fix: moved support file into support folder.
Removed .rvmrc from repo.

Let developers choose how to configure their Ruby environment.
Upgraded to Ruby 1.9.3.

1.9.2 is no longer officially supported.
Removed references to archaic debugger.

The debugger configuration was preventing pow from starting up the
server. RubyMine sets up its debugging prerequisites without needing
them in the Gemfile. Probably for command-line debugger we'll need to
add the `debugger` gem.
Fixed specs that weren't cleaning up their messes.

After each spec runs, we remove anything added to the database
during the run. But because organizations were created in a
`before(:all)` hook, our `after(:each)` hook wasn't cleaning them up.

Ordinarily I'd use `before(:each)` but because I didn't write these
tests I'm reluctant to change their logic much. So we use
`build_stubbed` instead of `create` to simulate a saved organization
without actually putting it in the database. And I did move the
payment that was created to a `before(:each)`.
Upgraded factory_girl.

We're still way behind, but this gives us the `after_create` hook we
want for the `paid_organization` factory (forthcoming).
Added test for billing info page.

Also fixed a missing field in the payment factory.
Show payment method on billing info page.

Also simplified view code by removing code branches that weren't really
branches.
Reformatted billing view.

Use spaces instead of tabs.

Also found and fixed a redundant `</section>` tag.
Removed excessively defensive code from billing view.

There was a lot of code designed to handle a nil value for
`@payment`, inside an `if` statement that ensured `@payment`
could never be nil.
Slightly simplified `money_from_cents` helper.

Removed unused parameter and redundant, inapplicable line.