clarify requirements
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This paper specifies changes to the auth and bank modules to implement vested accounts for the Cosmos Hub.
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The requirements for this vested account is that it should be capable of being initialized during genesis with
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a starting balance X coins and a vesting blocknumber N. The owner of this account should be able to delegate to validators,
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but they cannot send their coins to other accounts. Thus, the bank module's MsgSend handler should error if
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a vested account is trying to send an amount before block N.
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a starting balance X coins and a vesting blocknumber N. The owner of this account should be able to delegate to validators and vote,
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however they cannot send their coins to other accounts until the account has fully vested. Thus, the bank module's MsgSend handler
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should error if a vested account is trying to send an amount before block N.
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### Implementation
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