Select data in a matrix

     Hi. Let's say that I have a 4x4 matrix and i need to select the terms that are optained by crossing out the first column and the second row. I tried with submatrix function but i could not cross out the second row(my matrix is 4x3 and i want it to be 3x3). How do i do it correctly? I'm completly new to MathCad so be patient with me.

     Thank you