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Matrix of dummy variables from a factor

But note: There are (almost?) no situations in R where the dummy variables
coding is needed. The coding is (almost?) always handled properly by the
modeling functions themselves.

Question: Can someone provide a "straightforward" example where the dummy
variable coding **is** explicitly needed?

-- Bert Gunter
Genentech Non-Clinical Statistics
South San Francisco, CA
 
"The business of the statistician is to catalyze the scientific learning
process."  - George E. P. Box