Rooburger,there is an easy way to do it with a common calculator,providing your banker selections are common,i.e.included in your selections for 2nd,3rd,and 4th.An example:A 3x3x8 trifecta,deduct one from the 2d selections,and two from 3rd selections.So that trifecta is 3x2x6=$36 or $18 at a half unit.First4 example...3x3x8x8...deduct 1 from 2nd picks,2 from 3rd picks,3 from 4th picks=3x2x6x5=$180,or $90 at a half unit.Get my drift??I must stress that the 3 selections for 1st and 2nd must be common in the 8 selections for 3rd and 4th to work it out like this.Also most TAB's have printed booklets available with lots of combinations covered.Hope this helps,cheers mate,good tri hunting!