Where are the other steps Neil ?
The problem wants the covariance matrix of the z-score obtained at the previous step if someone else found the problem description unclear.
Now what was so hard about that? :-)
Next I need to work on this pernicious 'ans' rubbish.
HAHAHA I had some fun here, sorry about that... ;-)
but also I forgot the minus one. :-/ So the test-case was wrong. Now I found my mistake.
I had the same idea, but I was occupied by bypassing the covariance function :-D
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