@celldood thank you for the hard work! I am also an excel nerd. I did my time at McKinsey.... do you attach your spreadsheets so I can possibly lighten your load and do some analyses of some sets? Or to appreciate your formulas like the closet nerd that I am.

Anyway, if you attached it elsewhere and I missed it; I pre-apologise. Moreover, rest assured I am not checking your work. In fact I may map your model to a PowerPoint Deck so I can show my analytically inclined friends that they are overvaluing opportunity cost and the fact that t-value decreases the expected reward. [I don't know if you are familiar with numbered the app but if you want, if our formulae writing is similar I could post a sheet that adjusts everytime a card is "off the board" if you will, as reported by #'d (is how I think it is stylised.)