function f = fixpt(r,dummy);

divy = 0.026;
x    = 1.02;
f    = 1-divy/(1+r)*(1+x/(1+r)+x^2/(1+r)^2+x^3/(1+r)^3+ ...
                    x^4/(1+r)^4+x^5/(1+r)^5+x^5*1.02/(1+r)^6/(1-1.02/(1+r)));



