Updates to Balance and Signal for new Signal Rules flows. Also updates dependencies and Plaid client libraries

.env.example

@@ -2,11 +2,16 @@
 PLAID_CLIENT_ID=
 PLAID_SECRET=
 
+# SIGNAL_RULESET_KEY is required for both Balance and Signal Transaction Scores
+# Set this to the ruleset_key configured in your Plaid Dashboard at https://dashboard.plaid.com/signal/risk-profiles?environment=sandbox
+# See https://plaid.com/docs/signal/ for more information
+SIGNAL_RULESET_KEY=default-3
+
 # Use 'sandbox' to test with fake credentials in Plaid's Sandbox environment
 # Use 'production' to use real data
-# NOTE: Some major US institutions (including Chase, Wells Fargo, Bank of America) won't work unless you have been approved for full production.
-# To test these institutions with live data, get full production approval first at https://dashboard.plaid.com/overview/production
-# Once approved, set your environment to 'production' to test.
+# Request production approval at https://dashboard.plaid.com/overview/production
+# Once approved, set your environment to 'production' to test. 
+# Some institutions (Chase, Fidelity, Schwab) take longer to get approval for and aren't available immediately.
 # NOTE: To use Production, you must set a use case for Link. 
 # You can do this in the Dashboard under Link -> Link Customization -> Data Transparency: 
 # https://dashboard.plaid.com/link/data-transparency-v5
@@ -18,13 +23,14 @@ PLAID_ENV=sandbox
 # Only institutions that support ALL listed products will work.
 # If you don't see the institution you want in Link, or get a "Connectivity not supported" error, 
 # Remove any products you aren't using.
-# NOTE: The Identity Verification (IDV) and Income APIs have separate Quickstart apps.
+# NOTE: The Identity Verification (IDV), Income, and Layer APIs have separate Quickstart apps.
 # For IDV, use https://github.com/plaid/idv-quickstart
 # For Income, use https://github.com/plaid/income-sample
+# For Layer, use https://github.com/plaid/layer-quickstart
 # Important:
 # When moving to Production, make sure to update this list with only the products
 # you plan to use. Otherwise, you may be billed for unneeded products.
-PLAID_PRODUCTS=auth,transactions
+PLAID_PRODUCTS=auth,transactions,signal
 
 # PLAID_COUNTRY_CODES is a comma-separated list of countries to use when
 # initializing Link, e.g. PLAID_COUNTRY_CODES=US,CA.
@@ -44,3 +50,4 @@ PLAID_COUNTRY_CODES=US,CA
 # For development or production, you will need to use an https:// url
 # Instructions to create a self-signed certificate for localhost can be found at https://github.com/plaid/quickstart/blob/master/README.md#testing-oauth
 PLAID_REDIRECT_URI=
+