<TITLE> Utility functions library </TITLE>
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-------- utility functions -------- 
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<A HREF = "accumulate.m   ">accumulate     </A>: accumulates column elements of a matrix x
<A HREF = "blockdiag.m    ">blockdiag      </A>: Construct a block-diagonal matrix with the inputs on the diagonals.
<A HREF = "cal.m          ">cal            </A>: create a time-series calendar structure variable that
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