Sub SVDVAR(V(), MA, NP, W(), CVM(), NCVM)
    Dim WTI(20)
    For I = 1 To MA
        WTI(I) = 0#
        If W(I) <> 0# Then WTI(I) = 1# / (W(I) * W(I))
    Next I
    For I = 1 To MA
        For J = 1 To I
            SUM1 = 0#
            For K = 1 To MA
                SUM1 = SUM1 + V(I, K) * V(J, K) * WTI(K)
            Next K
            CVM(I, J) = SUM1
            CVM(J, I) = SUM1
        Next J
    Next I
End Sub