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Add parameter useUnearnedPremiums to switch between unearned premiums and inclusion of full (single) premium in balance sheet reserve

Single-premium contract typically do not use unearned premiums, but add the whole single-premium to the balance sheet reserve immediately. The parameter useUnearnedPremiums switches this behaviour.

By default, single-premium contracts will not use unearned premiums (and include the full premium in the balance sheet reserve), while contracts with regulare premiums will use unearned premiums by default (and not include the premium paid at time t in the balance sheet reserve at time t).

Closes #69

For the balance sheet reserves we might need the net/gamma/Zillmer premium components (for single-premium contracts no unearned premiums are reported, but the premium is included in the reserve!), so we need to calculate it before.

Add helper function isSinglePremiumContract to identify single-premium contracts from the parameters

I was wrongly using ifelse, which resulted in a single value that was repeated in the data.frame, rather than an if construct that would have returned a vector with a single non-null entry and 0 for all other entries.

Closes issue #68

Problem was that padding convert the date to a numeric, so summing the date from the original main contract part with any other dynamic block worked. But when the dynamic block was not padded, because it started at t=0, the date was not (wrongly) converted to numeric, so R failed adding two dates...

For the balance sheet reserve, I now simply match corresponding rows by date (available as a column in the data.frame) rather than relying on information how many rows to pad.

closes #65

initializeCosts should also set gamma_nopremiums for administration costs that run until the end of the contract irrespective of death.

Closes #66

Add premiumWaiverValueCalculation parameter (a function) to allow different penalties for surrender and premium waiver

Closes #67

These types of costs are relevant e.g. for term fixe insurances and for premium waiver riders upon death.

Implementation works by adding a "AfterDeath" and "FullContract" value to the cost frequencies, and a fourth dimension ("survival","guaranteed","after.death") to the internal cost cash flow array.

This additional dimension is kept in all cost cash flows and present values (PV could be summed!). But the abs present values and all premium compositions, reserves etc. are not influenced.

Export to excel adds several new columns in the CF and PV tabs.

Implements the feature request #61

-) Clear initialCapital when creating dynamics (i.e. an initial capital set for the main contract should not be used for dynamics, while all other parameters should be used!). Explicitly setting an initial capital in addDynamics will still work, of course.
-) Fix export of contracts with initial capital and multiple blocks

Initial capital from outside can now be given using the initialCapital parameter. No tax is applied on this carry-over.

No acquisition costs are adjusted.

Implements first part of issue #63

This closes #62

Allow arbitrary balance sheet reserve interpolation method (by passing a function for the balanceSheetMethod parameter)

Closes #59

Fixes Issues #58 and #57

Also bump version to 0.0.2

Add alphaRefundPeriod parameter to indicate how long acquisition costs are refunded in case of surrender / premium waiver

-) General overview of the steps
-) Chapter on frequency charges

- Fix typos
- Fix links to R6 methods (need to use workaround with \href to known html file and anchor)
- exclude all calls that create files on disk from the docs example check using \dontrun{...}