`ranMvBinEp2` <-
function(rootS, u, nReps, seed)
{
if (missing(seed)){z <- ranMVN2(nRep=nReps, rootS)}
else {z <- ranMVN2(nRep=nReps, rootS,seed=seed)}
cuts <- matrix(rep(qnorm(u),nReps),nReps,byrow=T)
y <- ifelse(z <= cuts, 1 ,0)
return(y)
}