Calculate the bid matching penalty based on the "new" self-assessed value

[gravenp]

When a licensor chooses to match an incoming bid for their parcel, we require payment of a % penalty to encourage honesty in published Self-Assessed Values.

The contracts initially implemented this penalty based on the "old" SAV. This is vulnerable to abuse by incumbent licensors (if they continually reset their SAV to a de minimis value, then their taxes AND penalty paid will be nothing as well). Incoming bids are fully collateralized now, so using the bidder's SAV is the better basis for calculating the penalty.