Eliminate reserves bad debt allocation and add margin to TP

[prateek105]

Description

• Add 1.04 factor in borrower collateralization.
• Update npTpRatio to '1 + sqrt(r)/2'.
• Remove 0.995 factor from claimable reserves calculation.
• Update bond factor calculation to minimum 0.005.
• Allow only up to half of the origination fee to be used to settle bad debt till 144 hours of kicktime.

  Purpose

• Solves the issue discovered in Sherlock audit -> https://github.com/sherlock-audit/2023-09-ajna-judging/issues/71
• Solves what we internally have called Dmitrii - 1, an issue discovered by @dmitriia (although not eligible for the Sherlock report) ->

  There will be more reserves as borrowers can be heavily penalized in auctions happening during up swings due to takePenalty introduction.
  If pool rate is high, bondFactor is maximized to 3%, but auction ended at NP due to an upswing. Kicker gets nothing, borrower is penalized with 3.75% of the settled debt. This happens over and over again, reserves are pumped, which is good for token price. This may be an unfair mechanic for borrowers?

Impact

Tasks

• [ ] Changes to protocol contracts are covered by unit tests executed by CI.
• [x] Protocol contract size limits have not been exceeded.
• [ ] Gas consumption for impacted transactions have been compared with the target branch, and nontrivial changes cited in the Impact section above.
• [ ] Scope labels have been assigned as appropriate.
• [ ] Invariant tests have been manually executed as appropriate for the nature of the change.