update spec for more efficiency and clarity

This also lead to updating certain aspects of the integration, as you'll see. 

Because of what I read in the docs: http://docs.leadconduit.com/fields?q=costco%20inbound, I also updated the following:  

time_to_contact:          parseTimeToContact(lead.best_time_to_contact)
+  time_to_contact:          parseTimeToContact(lead.time_to_contact)

is_military:          parseTrueOrFalse(lead.military)
+      is_military:          parseTrueOrFalse(lead.is_military)

 late_payments:        parseLatePayments(lead.mortgage_late_payments)
+      late_payments:        parseLatePayments(lead.late_payments)

Did I read  the specs correctly?