Nothing
"factor.model" <-
function(f,Phi=NULL,U2=TRUE) {
if(!is.matrix(f)) f <- as.matrix(f)
if(is.null(Phi)) {Phi <- diag(1,dim(f)[2])}
if(!is.matrix(Phi)) {Phi <- as.matrix(Phi)}
if (!U2) diag(Phi) <- 1
result<- f %*% Phi %*% t(f)
if (!U2) diag(result) <- 1
return (result)}
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