/karma and withdrawals

See #65, release log:

• aca17d0 by @yegor256: #65 /terms
• 6b0b9b0 by @yegor256: #65 legend
• 73d9a21 by @yegor256: #65 test off
• 6106c12 by @yegor256: #65 store points
• 5c6bdbc by @yegor256: #65 cache karma
• 3a85ac7 by @yegor256: #65 /withdraw
• d1d6ea4 by @yegor256: #63 badge length

Released by Rultor 1.68.9, see build log