l<-c(10000000,9795800,9782674,9770739,9759796,9749646,9740091,9731033,9722372,9713914,9705657,9697407,9689164,9680831,9672409,9663801,9655007,9646028,9636864,9627516,9617888,9607982,9597798,9587240,9576311,9565011,
     9553342,9541209,9528519,9515274,9501382,9486845,9471571,9455469,9438544,9420611,9401676,9381556,9360166,9337421,9313144,9287253,9259577,9229946,9198195,9164070,9127414,9088075,9045725,9000135,8950994,8898004,8840879,
     8779258,8712711,8640918,8563495,8480001,8389943,8292787,8188132,8075463,7954250,7823959,7684067,7534074,7373448,7201720,7018508,6823464,6616235,6396708,6164763,5920515,5664157,5396186,5117257,4828285,4530476,4225258,
     3914448,3600118,3284604,2970563,2660793,2358287,2066119,1787317,1524778,1281103,1058511,858696,682723,530974,403084,297988,213982,139088,73021,23732)
d<-c()
for (i in 1:99) {
  d[i]<-l[i]-l[i+1]
}
d[100]<-l[100]
q<-d/l
p<-1-q
f<-function(x,u,i,m){
  v<-1/(1+i)
  D<-1-1/(1+i)
  im<-m*((1+i)^(1/m)-1)
  dm<-im/(1+im/m)
  alfa<-D*i/(dm*im)
  beta<-(i-im)/(im*dm)
  a<-c()
  a[100]<-0
  for(i in 1:99){
    a[100-i]<-1+v*a[101-i]*p[100-i]
  }
  am<-alfa*((1-u)/(1-u*q[x+1])*a[x+1]+u*(1-q[x+1])/(1-u*q[x+1])*a[x+2])-beta
  return(am)
}