References
Reference NO 1
http://stackoverflow.com/questions/15198022/score-data-with-help-of-matrices
Reference NO 2
http://psych.colorado.edu/~carey/Courses/PSYC7291/handouts/important.matrices.pdf
Reference NO 3
http://docs.oracle.com/cd/E17266_01/p6help/help/en/32334.htm
Reference NO 4
http://mathbits.com/MathBits/Java/arrays/Matrices.htm
Reference NO 5
http://faculty.ucr.edu/~hanneman/nettext/C5_%20Matrices.html
Reference NO 6
http://www.sophia.org/concepts/using-matrices-to-organize-data--2
Reference NO 7
http://stattrek.com/matrix-algebra/covariance-matrix.aspx
Reference NO 8
http://stat.ethz.ch/R-manual/R-patched/library/stats/html/factanal.html
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