- added clean claim contract for assessors and voting
- should be merged with existing claim contract

- Master contract now receives 3 parameters:
    1. operations fee rate in BIPS;
    2. default risk rate in BIPS;
    3. overdue fee rate in BIPS;
- Policies Handler minor refactor;
- Policy now includes:
    * PolicyStatus (status tracking);
    * operator for migration purposes;
    * overdue fee rate;
    * new modifiers to limit functions to operator or policy holder;
- minor refactor of calculate functions;
- payPolicy now includes overdue fees if applicable;
- payPolicy will update policy status if final payment is received;

TODO:
- emit applicable events;
- move fees and payments to appropriate contracts / capital pools;