add transition to new interest rate calculation (hardfork)
add a shorter PoW phase for testnet
Revert "add a shorter PoW phase for testnet"

This reverts commit 42ef3ebc9f61508d7d2c3178b73a812a9bb2c473.
add shorter pow phase and earlier interest hardfork for testnet
make pow phase on testnet longer
reduce testnet pow blocks and fix some formatting
reduce fork time
make sure we start calculating interest from the right block
bump version and set hardfork at block 15100
add checkpoint