FV_post_mood=function(data,years=10){
n=years
m=n+2
momenti=rep(NA,m)
U=1+data
u=mean(U)
for (i in 1:m) momenti[i]=moment(U,
central = FALSE, absolute = FALSE, order =i)
final_value=((momenti[n]-1)/(u-1))-
((momenti[n+1]-u*momenti[n])/((u-1)^2))+
((momenti[n]-1)/((u-1)^3))*
(momenti[2]-u^2)
return(final_value)
}
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