Merge pull request #4 from KellyBlack/dev

Dev
Merge remote-tracking branch 'origin/dev' into candace_dev
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