Add flag to indicate whether Zillmering is used or not
If zillmering is used, the balance sheet reserve is based on the Zillmer reserve, otherwise on the adequate reserve.
If the flag is not explicitly given in the call to INsuranceContract$new, it can be derived from the tariff's Zillmer cost (if no Zillmer costs are given, zillmering=FALSE, otherwise TRUE).
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Implement constructor argument -
Implement reserve selection -
Implement automatic derivation from Zillmer cost specification -
Add documentation