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-) Multiple profit scenarios are now properly stored, calculated and exported to Excel, too.

If this flag is set (default), the contract ends when invalidity happens, i.e. the survival probability of the contract is
   px = 1 - qx - ix
If the flag is set to FALSE, a dread-disease/disability/morbidity claim is paid with propbability ix, but the contract continues, potentially paying our further disease claims in the future

Simply use the arguments passed to override the arguments inherited from the parent block (including already adjusted contract/premium/deferral terms). The arguments passed to addDynamics MUST be named, otherwise they will be ignored

-) 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

configurable history entries; fix errors; cleanup code; First shot at using generic calculateContract function for premium waivers, too

Implement dynamic increases (and more general, sub-blocks of contracts, potentially with different parameters)

-) Rearrange InsuranceContract to split functions into public and private functions
-) InsuranceContract: Return invisible(self) in as many functions as possible...
-) Implement InsuranceContract$addBlock and InsuranceContract$addDynamics to add new sub-blocks to the contract
-) Properly implement consolidating values from child blocks (parent blocks have some values like unit cash flows erased, as they do not make sense!)
-) Add contract/block id to assign each block a readable, unique ID
-) Extend exportInsuranceContract.xlsx to export the data.frames of the contract and all sub-blocks (not yet finished, in particular overview page and PV with premium calculation)
-) Write out values for  all contract blocks to Excel
-) history entry for dynamic increases
-) translate Excel export
-) Excel export: Make cost table generic (loop through all contract blocks)
-) Fix some UTF-8 issues in Windows
-) Export to Excel: Clean table names; clean endowment example; Rebuild docs

Fixes issue #35, relates #48.

-) All cashflows and present values will start at time 'start' rather than at 0. This can be used to implement dynmics, etc.
-) What is not yet implemented is to combine multiple tariff blocks into one single contract

Implement combination of endowment+dreaddisease (pays on either death or disease, contract/premium payments end upton death or disease)

-) The easy implementation would be to use a combined exit probability qx+ix, but that does not allow splitting the risk premium into death and disease risk parts
-) Thus, use cash flows from endowments and dread disease, with px = 1-qx-ix as survivial probability for the contract

Allow both approaches for unit costs (as global parameter not included in CF valuations, but can be function to use other premiums; as part of normal cost array, which cannot depend on other premiums etc.)

Implement Costs relative to net premium and fixed costs (no basis); Args to initializeCosts to quickly define the most common cost types

-) Costs with basis "NetPremium"
-) Costs with basis "Constant"
-) TODO: include them into the calculation of the Zillmer premium
-) Arguments to initializeCosts to quickly set the most common cost types.

Fixes #46, #40

Add calculate parameter to calculateContract, so one can stop calculation after the desired result. Otherwise all premiums, reserves, etc. would always be calculated, even when only the premiums or cash flows are desired....

Implement Costs relative to net premium and fixed costs (no basis); Args to initializeCosts to quickly define the most common cost types

-) Costs with basis "NetPremium"
-) Costs with basis "Constant"
-) TODO: include them into the calculation of the Zillmer premium
-) Arguments to initializeCosts to quickly set the most common cost types.

Fixes #46, #40

* fix R warnings about missing functions / wrong package loading; Add namespace to certain calls
* Fix Zillmer premium
* Add DocStrings

- Add risk premium for disease payments
- Implement splitting the (net/Zillmer) risk premium into actual risk premium and security loading

Fixes #44

More helper functions for profit participation; Move docs to separate file; start on terminal bonus fund

Add some more helper functions for profit participation calculations (using total interest instead of guarantee+interestProfit if total interest is below guarantee)