

   CCrreeaattee aa MMaattrriixx oorr aa VVeeccttoorr

        mat.or.vec(nr, nc)

   DDeessccrriippttiioonn::

        `mat.or.vec' creates an `nr' by `nc' zero matrix if
        `nc' is greater than 1, and a zero vector of length
        `nr' if `nc' equals 1.

   EExxaammpplleess::

        mat.or.vec(3, 1)
        mat.or.vec(3, 2)

