Merge branch 'story/105852786-directo' into staging

# Conflicts:
#	Gemfile

db/migrate/20160113143447_create_directos.rb

@@ -0,0 +1,10 @@
+class CreateDirectos < ActiveRecord::Migration
+  def change
+    create_table :directos do |t|
+      t.belongs_to :item, index: true, polymorphic: true
+      t.json :response
+
+      t.timestamps null: false
+    end
+  end
+end

db/migrate/20160118092453_add_in_directo_to_bank_transaction.rb

@@ -0,0 +1,5 @@
+class AddInDirectoToBankTransaction < ActiveRecord::Migration
+  def change
+    add_column :bank_transactions, :in_directo, :boolean, default: false
+  end
+end