#' @references
#' Colombo R, Jiang W (1999). \dQuote{A stochastic RFM model.}
#' Journal of Interactive Marketing, 13(3), 2-12.
#'
#' Fader PS, Hardie BG, Lee K (2005). \dQuote{RFM and CLV: Using Iso-Value Curves for
#' Customer Base Analysis.} Journal of Marketing Research, 42(4), 415-430.
#'
#' Fader PS, Hardie BG (2013). \dQuote{The Gamma-Gamma Model of Monetary Value.}
#' URL \url{http://www.brucehardie.com/notes/025/gamma_gamma.pdf}.
#'
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