Re-organize handle_encoding to assume bytes for input and do simple decoding of headers as ASCII in order to ascertain the encoding.
Re-organize handle_encoding to assume bytes for input and do simple decoding of headers as ASCII in order to ascertain the encoding.

udibr/ofxparse,egh/ofxparse,rdsteed/ofxparse,jaraco/ofxparse,jseutter/ofxparse,hiromu2000/ofxparse