m = -7.69231

After removing t,5,a:

m = -8.16326 reversing the sign:

m = 8.16326

inner product after removing dealer's and player's cards ?

i = 90.04551

t = 51/49 *((-1)+( 1)+( -1)) = -51/49

p = sum of squares; after removing 3 cards, p = 37 (for hi-lo)

So we have:

mp/i + t= (8.16326*37)/90.04551 - (51/49) = 2.3135

Note that a direct attack yields:

(7.69231*40)/90.04551 - (51/49) = 2.3763

That's easier, but not precisely better, IMHO.

Sincerely

Z