\begin{Schunk}
\begin{Sinput}
 rm1.dm <- model.matrix(reg.mod.1)
 head(rm1.dm)
\end{Sinput}
\begin{Soutput}
  (Intercept)   agency
1           1 3.833333
2           1 2.888900
3           1 1.777767
4           1 2.731833
5           1 3.111100
6           1 2.499967
\end{Soutput}
\end{Schunk}
