card game ELEVENS for 3 players

continuing form previous description at
https://thinkforyourselfn8.blogspot.com/2019/05/card-game-elevens.html
a variety of 3 gamers. using 15 and 25 because of formula "40=3x+5y if and only if the variables are whole numbers." in contrast to 2 players 40=2x+5y. 10+10+20.
SETUP:  remove the twelve picture cards and both joker cards from the familiar "set" of cards. mix the cards shuffle.
give out 20 concealed cards as follows: one each to each of 3 players and a fourth pile for the ROWS repeat five times totalling 20 cards. the remaining 20 cards all go in the pile for rows.
align the 25 cards for rows visible face up in rows five cards across repeat five rows.
each player exposes their top card and the highest card wins privilege to start.
the lower card puts card face up in discard pile. their "decks" are concealed.
join pairs that total ELEVEN. as detailed in description in previous post.