* Remove unnecessary save() on invoice
* Update copyright
* Working on Credit Repository
* Implement credits as a paymentable entity
* Add credit_id to transformer
* fix rules for update payment
* Fix random deleted_at keys in transformers
* Fix for password_protect check
* 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