merge in changes from origin

first port of plan creation and editing to new data model

fixed merge conflict in seeds.rb file. installed substance-rails gem and updated code to swap in the substance-forms text-area for tinymce on the answer section of the edit plans page

Switched answer text area to substance editor.

moved assets from app/assets to lib/assets. The files in lib/assets will be used by Rails unless override by an equivalent file in app/assets. Added logic to applicationController so that it will look first for a template in app/views/[:branded folder name] before using the default in app/views