Merge pull request #4 from KellyBlack/dev

Dev
Merge remote-tracking branch 'origin/dev' into candace_dev
Merge pull request #13 from sweenee/beth_dev

all three of our changes with left hand sum
Added a copyright notice to the readme file.
Fixed a conflict with a comment in the readme.
Added a readme to the Paper directory.
Added a new readme to the simulations directory
Added the license to the other readme files and cleared up a conflict.
Merge pull request #6 from KellyBlack/dev

Dev
Merge remote-tracking branch 'origin/dev' into candace_dev
insurance payout script in matlab
Merge pull request #14 from candaceliu/candace_dev

Candace dev
setting up presentation folders
Merge pull request #7 from KellyBlack/dev

Dev
Merge remote-tracking branch 'origin/dev' into candace_dev
Merge pull request #15 from candaceliu/candace_dev

Candace dev
Merge pull request #9 from KellyBlack/dev

directory changes with presentation
Merge remote-tracking branch 'origin/dev' into beth_dev