properly finish dynamics (and insurance blocks starting at a later time)

-) Properly handly blockStart time (only used by parent). The child block will always start from 0, which is then shifted by the parent block's consolidateValues function. This removes a lot of complexity (previously, I though it would make sense to implement in each child block that it starts at a later time and fill all data.frames with 0 until the block start...)
-) Properly implement premium waiver with the new calculateContract function => Simplifies code a lot