Discounted Harville spreadsheet (Discounted_Harville v1.17) with VBA Functions for Excel 2007+ (DHExactaOdds, DHTrifectaOdds, and experimental DHSuperfectaOdds). Change the values of lambda, and rho to approximate the Henery (lambda = 0.76, rho = 0.62) and/or Stern models (See Donald B. Hausch, Victor S. Y. Lo, and William T. Ziemba, Efficiency Of Racetrack Betting Markets, London, Academic Press, 1994, pp. 478).