ps = {bz -> 0, b3 -> 1/3, e3 -> 1/16, e4 -> 1/20, e5 -> 1/20}
 
syfr1 = {0.04373896441668505, 0.0486263688594785, 0.05819451161909177, 
     0.2544717906115691, 0.3179696425120775, 0.3313418942342371, 
     0.1929919330557011, 0.3179696425120775, 0.31838860364269017, 
     0.3308234380022054, 0.29144547332988024, 0.3364329522925282, 
     0.29951890069976655, 0.3308234380022054, 0.32835952492264187, 
     0.29130395036272166, 0.26128404914516595, 0.30235816094860135, 
     0.26128404914516595, 0.3029577306350223, 0.2937789270546146}
 
sysfr1 = {0.0437389644166850515070049360755564629441386`30, 
     0.0486263688594784964472374009116474405252232`30, 
     0.0581945116190917686301928884994245805475657`30, 
     0.254471790611569117940673212827417813193131004917`30, 
     0.317969642512077495856685628797169465090488637859`30, 
     0.331341894234237123937247909475224034252396971771`30, 
     0.192991933055701085015153177550383934219251506476`30, 
     0.317969642512077495906435743163590323102794576155`30, 
     0.318388603642690171510838371854990475525958192003`30, 
     0.33082343800220542140191210841956662337801571811`30, 
     0.291445473329880251539836977993742908535157500698`30, 
     0.33643295229252817751390918171944584610283349188`30, 
     0.299518900699766555713207422084418795363187932385`30, 
     0.3308234380022054213966235509918103617725128658`30, 
     0.32835952492264187339707224601728301100116199694`30, 
     0.291303950362721675635811693737424204965693928261`30, 
     0.261284049145165979359635364853955737450011910116`30, 
     0.302358160948601361384520864470925187796139845689`30, 
     0.261284049145165979339074429263632480641819650235`30, 
     0.302957730635022297646365223829913706475125885372`30, 
     0.29377892705461460837849933351719979334412523954`30}
 
sy31 = {0.05274101141677521, 0.05864846631098624, 0.06460113787345739, 
     0.32478648553943357, 0.39847912016525083, 0.4123270600413165, 
     0.24699071935210273, 0.39847912016525083, 0.3991093975460178, 
     0.3261619950761827, 0.2894889525674055, 0.3354937445836022, 
     0.29922966369249115, 0.3261619950761827, 0.32249865451862236, 
     0.2757720926404758, 0.25242294744661753, 0.2879403870771261, 
     0.25242294744661753, 0.28922898529693514, 0.28367543252125776}
 
sy20 = {0.054738550190203766, 0.06043921329678475, 0.066163434103399, 
     0.3251103271322477, 0.39864312591784706, 0.41256828583673383, 
     0.24744936239629042, 0.39864312591784706, 0.399328143485941, 
     0.3246974219196449, 0.2877947909170117, 0.3352755942770036, 
     0.2980988757731995, 0.3246974219196449, 0.320857302017918, 
     0.2728159993863496, 0.24979829997781333, 0.2857683021759361, 
     0.24979829997781333, 0.28702433828189206, 0.2805313489691399}
 
sy5 = {0.05540754081464048, 0.06297874195317266, 0.06763453443136913, 
     0.3254296484764543, 0.3987684546434469, 0.41272871099517305, 
     0.24790275650989893, 0.3987684546434469, 0.39946632290957584, 
     0.3234461879167923, 0.2863414724044064, 0.3351653620067972, 
     0.2970724419810728, 0.3234461879167923, 0.3194841015151683, 
     0.27039283891350535, 0.24756793310187766, 0.28366065456213746, 
     0.24756793310187766, 0.28485710253000734, 0.27805107130120826}
 
sy0 = {0.05893098949661098, 0.06671575128503862, 0.07824781409572436, 
     0.32662357861172375, 0.3987683669859066, 0.41284593236135736, 
     0.24820197618035822, 0.3987683669859066, 0.39943055549697315, 
     0.3219004091319049, 0.284263556206818, 0.3319221934519795, 
     0.29801790895766656, 0.3219004091319049, 0.31816784070113097, 
     0.2676281081750313, 0.24523032872616135, 0.28526907742095403, 
     0.24523032872616135, 0.2862103302130421, 0.2722136054507656}
 
rpay = {0.2940410240888608, 0.2940410240888608, 0.2562859030736067}
 
paytote = 0.8443679512513282
 
npay = {0.3482380207030605, 0.3482380207030605, 0.30352395859387915}
 
shape = {7/18, 7/18, 2/9}
 
shapen = {0.3888888888888889, 0.3888888888888889, 0.2222222222222222}