* Do not set email template defaults in settings
* Set invoice reminders, trait + tets
* Fixes for tets
* Only all an account owner to delete companies/users
* Refactor company properties to be presented from settings object instead of company properties
* Working on Email Tests
* Working on emails
* Working on email templats
* Include text version of email
* Refactor Email template builder into trait'
* Fix for custom_value4
* Refactor payment_date -> date && payment_type_id -> type_id
* expose paymentables to API
* expose paymentables to API
* Implement a next_send_date field in invoice/quote tables to allow control over reminder scheduling
* Add custom_values to users,documents and company_gateways tables