This module demonstrates how to convert the lower triangular covariance table from the Excel Analysis ToolPak to a full covariance matrix for use with the MMULT function.

First, a brief review of square matrices.

A matrix is a rectangular array of numbers of the form $$A=\begin{bmatrix} a_{11} & \cdots & a_{1n} \\ \vdots & \ddots & \vdots \\ a_{m1} & \cdots & a_{mn} \end{bmatrix}$$ and is called an m