 Usage:  {t,p} = hhmult (vhat,y,yhat,h)  
 
 Input:

  vhat                   n x M matrix containing the projected indices 
                         
  y                      n x M matrix containing n observ. of M binary dependent variables 
                         
  yhat                   n x M matrix with the predicted probabilities P(Y_m=1|x) 
                         
  h                      1 x M vector of bandwidths 
                         
 Output:

  t                      scalar, the value of the test statistic 
                         
  p                      scalar, the p-value of t, i.e. 1 - cdfc(t,M) 
                         
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(C) MD*TECH Method and Data Technologies, 17.8.2000
