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paste(names(factors)[which==0],collapse=" ")))
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settings <- if(nf<length(nam)) predictrms(fit, type="adjto.data.frame")
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if(nf>0) for(i in 1:nf) settings[[fnam[i]]] <- factors[[i]]
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if(nf==0) return(as.data.frame(settings))
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if(expand) expand.grid(settings) else as.data.frame(settings)