while inserting a contract ,need to check, if contact is not associated with any account, then assign it to default "test" account. but if test account is not present then create "test" account, and then assign this test account to the contact.

while inserting a contract ,need to check, if contact is not associated with any account, then assign it to default "test" account. but if test account is not present then create "test" account, and then assign this test account to the contact.