Create a matrix of dummy vectors (consisting of 0 and 1 only) from factor `x`.
This may be useful if you want to use dummy predictors
in regression analysis.

1 | ```
as.dummies ( x )
``` |

`x` |
input factor. |

Levels of the input factor correspond with columns in the output matrix.
The integer value in cell [i,j] of the returned matrix indicates
whether (value=1) or not (value=0)
the i'th observation in the input factor `x` has the value of
the j'th level of that factor.

Matrix of integer values 0 or 1. The number of rows of the returned matrix equals the length of the input factor, and the number of columns equals the number of levels of the input factor.

1 2 | ```
xf <- factor( rep(letters[1:3],each=2) )
as.dummies(xf)
``` |

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