More Fixes To File Loading

A week ago I wrote about Mono not being happy with XmlElementAttribute.  I had cleaned up loading/saving for players and zone files, but skill and spell data needed some work.  I took care of that today, so all of the xml serialization is happy now.

I’ve hired the wife as a QA tester to do some preliminary “how broken is it” testing so I know what needs to be fixed before the real work (building) can begin.