Sample covariance matrix

Function xlCovSMtx(rng As Range)         Dim i, j     Dim nCls As Integer     Dim mtx()         With WorksheetFunction             nCls = rng.Columns.Count         'MsgBox nCls         ReDim mtx(1 To nCls, 1 To nCls)             For i = 1 To nCls             For j = 1 To nCls                 mtx(i, j) = .Covariance_S(rng.Columns(i), rng.Columns(j))             Next j         Next i             xlCovSMtx = mtx         End With End Function Function xlCovSMtx_U(rng As Range)         Dim i, j     Dim nCls As Integer     Dim mtx()         With WorksheetFunction             nCls = rng.Columns.Count         'MsgBox nCls         ReDim mtx(1 To nCls, 1 To nCls)             For i = 1 To nCls             For j = 1 To nCls                 If i <= j Then                     mtx(i, j) = .Covariance_S(rng.Columns(i), rng.Columns(j))                 Else                     mtx(i, j) = 0                 End If             Next j         Next i             xlCovSMtx_U = mtx         End With End Function Function xlCovSMtx_L(rng As Range)         Dim i, j     Dim nCls As Integer     Dim mtx()         With WorksheetFunction             nCls = rng.Columns.Count         'MsgBox nCls         ReDim mtx(1 To nCls, 1 To nCls)             For i = 1 To nCls             For j = 1 To nCls                 If i >= j Then                     mtx(i, j) = .Covariance_S(rng.Columns(i), rng.Columns(j))                 Else                     mtx(i, j) = 0                 End If             Next j         Next i             xlCovSMtx_L = mtx         End With End Function