Allow raw TX memos to be specified by the user

[geebee]

Modified the create_account and send_kin methods (and their underlying builders) to accept a new parameter raw_memo (whose default is False, so the original behavior remains the default behavior).

If raw_memo is True, the memo_text specified by the user is used verbatim in the transaction memo instead of using the MEMO_TEMPLATE via the build_memo method.

[codecov]

Codecov Report

Merging #96 into v2-master will decrease coverage by 0.17%.
The diff coverage is 75%.

@@              Coverage Diff              @@
##           v2-master      #96      +/-   ##
=============================================
- Coverage      84.99%   84.81%   -0.18%     
=============================================
  Files             15       15              
  Lines            793      797       +4     
  Branches          88       90       +2     
=============================================
+ Hits             674      676       +2     
  Misses            99       99              
- Partials          20       22       +2

Impacted Files	Coverage Δ
kin/account.py	83.33% <75%> (-1.22%)	⬇️

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