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nrzest<-function(r, nr)
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{
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d <- c(1, diff(r))
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dr <- c(0.5 * (d[-1] + d[ - length(d) ]), d[length(d)])
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return(nr/dr)
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}
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rstest<-function(r, coef)
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{
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return(r * (1 + 1r)^(1 + coef[2]))
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}
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