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Add function to merge two matrices/data.frames, where one goes from time 0 to...
Add function to merge two matrices/data.frames, where one goes from time 0 to t-1, and the other from time t to the end in the resulting matrix/data.frame. This is used later on when contract changes are done, because everything up to t-1 is from the old values, everything start at t is using the new contract data.
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