med.effect.sub <-
function(x,y,HD,varfun=pbvar){
if(HD){
e1=hd(x)
e2=hd(y)
}
if(!HD){
e1=median(x)
e2=median(y)
}
val=var(c(e1,e2))/varfun(c(x,y))
val
}
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