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NA's?

i have not answered your query in the last mail.

I hoped na.omit(M) will just ingnore the diagonal elements. i learnt by 
practice that it removes the whole row which has atleast one NA!! (that is 
not the case in Perl)

Since I am bit new to R, i did not knew how to just ignore those elements in 
R
http://creative.mediaturf.net/creatives/citibankrca/rca_msntagofline.htm 
Without minimum balance for 20 yrs!